What is Insurance?
Insurance is, “a contract whereby, for a stipulated consideration, one party undertakes to compensate the other for loss on a specified subject by specified perils. The party agreeing to make the compensation is usually called the “insurer” or “underwriter;” the other, the “insured” or “assured;” the agreed consideration, the “premium;” the written contract, a “policy;” the events insured against, “risks” or “perils;” and the subject, right, or interest to be protected, the “insurable interest.” (Black’s Law Dictionary 946. 4th Ed. Rev. 1968)
An insurance policy is a contract in which an individual or entity (the policyholder) pays an insurance company (the insurer) in regular payments in exchange for financial protection over specific risks or losses. For example, medical insurance helps to cover medical costs, such as hospital visits, hospital stays, and medications. Similarly, auto insurance helps to cover damages incurred from car accidents. Insurance payments are known as premiums. Insurance contracts typically limit the amount of costs that an insurance provider may be required to pay.
The McCarran-Ferguson Act (15 U.S.C. § 1011) grants many aspects of insurance regulation to individual state governments. However, federal laws like federal taxes do apply to insurance, and must be acknowledged. Insurance is important to the legal system, as it helps protect individuals, those who cause harm to individuals through negligence, and any third party that is faced with the burden of compensating for an injury.
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Pottsville Construction Accident Lawyer
Construction sites are inherently dangerous environments, with workers facing numerous risks of accidents and injuries daily. If you have been injured in a construction accident in Pottsville, PA, you are not alone. You have rights and deserve compensation for your physical, emotional, and financial losses. You need an experienced Pottsville construction accident lawyer to help with your claim.
At Munley Law Personal Injury Lawyers, we recognize these unique challenges faced by those living in Pottsville after construction accidents have happened, offering comprehensive legal support and guidance in such complex scenarios.
What Are the Common Accidents at a Construction Site?
Construction sites present many potential hazards; accidents in Pottsville often include:
- Falls from Heights: Falls from heights such as ladders, scaffolding, or rooftops present a major hazard in construction projects. Such falls are frequently the result of unstable surfaces, […]
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Williamsport Brain Injury Lawyer
At Munley Law Personal Injury Lawyers, we recognize the profound impact that traumatic brain injuries can have on individuals and families in Williamsport. Our dedicated team of Williamsport brain injury lawyers is committed to providing compassionate, skilled legal support to those affected by such life-altering incidents.
If you were involved in an accident that resulted in a brain injury, don’t delay. Contact Munley Law today to schedule a free consultation.
The Common Causes of a Traumatic Brain Injury
A traumatic brain Injury (TBI) can happen in the blink of an eye, but its impact can last a lifetime. Understanding the common causes of TBIs is important for prevention and recognizing when you might have a legal case. Here are some typical incidents that can lead to a brain injury:
- Vehicle Accidents: Vehicle accidents are among the leading causes of TBIs, […]
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Bloomsburg Uber Accident Lawyer
After an Uber accident in Bloomsburg, PA, you may have a mound of medical expenses, lost pay, and emotional turmoil. You may feel lost and overwhelmed. Fortunately, you have legal options. A Bloomsburg Uber accident lawyer can help you navigate the legal system and get compensation.
You have the right to claim compensation for injuries you suffered in a Uber collision or while walking or cycling. Do not let insurers exploit you. Meet with a Bloomsburg Uber accident attorney at Munley Law now for a free consultation.
Who is Responsible for an Uber Accident in Bloomsburg?
Liability for an Uber accident can often involve multiple parties, such as:
- Uber Drivers: In cases where an accident happens while an Uber driver is actively taking rides or transporting passengers, and their negligence leads to an accident, then they could bear responsibility. […]
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Bloomsburg Lyft Accident Lawyer
Lyft accidents in Bloomsburg, PA can leave you with a stack of medical expenses, lost pay, and emotional distress. You may feel lost and overwhelmed. Fortunately, you have legal options. A Bloomsburg Lyft accident lawyer can help you navigate the legal system and get compensation.
You have the right to claim compensation for injuries you suffered in a Lyft collision or while walking or cycling. Do not let insurers exploit you. Call Munley Law immediately for a free consultation in Bloomsburg.
How Can a Lyft Accident Attorney in Bloomsburg Help With My Case?
Lyft accidents can involve various factors, from negligent drivers to accidents caused by other drivers on the road. The distinction between Lyft drivers considered independent contractors and the implications for insurance coverage can significantly impact your case. We delve into the specifics of your situation, analyzing the details of the accident and identifying liable parties. […]
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The Legal Challenges of Multi-Vehicle Truck Accidents in Bethlehem
The frequency and complexity of multi-vehicle truck accidents in Bethlehem present many difficulties that require skilled guidance by a Bethlehem truck accident lawyer experienced with multi-vehicle truck accident injury litigation. Not only can such incidents cause immediate physical and emotional trauma to victims, but navigating them requires knowledge of both state and federal law, along with sensitivity toward those impacted.
Munley Law understands the legal challenges presented by multi-vehicle truck accidents in Bethlehem and works directly with injured parties to secure maximum compensation for all their losses. Call Munley Law now for a no-committal and free consultation if you or someone close to you needs experienced truck accident representation!
Understanding Multi-Vehicle Truck Accidents
Multi-vehicle truck accidents on Bethlehem roads are among the most devastating incidents. Their sheer size and weight make these collisions far more serious than typical car collisions; […]
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