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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Who Can Be Held Responsible for a Wrongful Death in Allentown, PA?
The victim’s family members may file a wrongful death suit on the victim’s behalf against the responsible parties. These parties can be individuals or entities; in essence, whoever is at fault for the death in question or whose negligence contributed to the death can be held responsible. For instance, if someone loses their life because of a violent attack, the attacker can be held responsible for a wrongful death claim. And if a company or larger entity was unreasonably negligent and that negligence resulted in a death, they too can be held responsible.
What is a Wrongful Death?
A wrongful death is defined in Pennsylvania law as a death that occurred because of someone else’s negligence, wrongful behavior, or unlawful violence. In other words, a person who dies from natural causes would not be considered a wrongful death. Types of wrongful death claims include:
- Medical malpractice
- Fall accidents
- Motorcycle accidents
- Car accidents
- Workplace accidents
- Assaults and homicides
In typical personal injury cases that do not involve death, […]
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What Does an Easton Truck Accident Lawyer Do?
A truck accident lawyer is a special kind of personal injury lawyer who represents individuals involved in truck accidents in the Easton area, offering services such as investigating the accident, negotiating with insurance companies, and pursuing compensation for damages.
If you were injured in a truck accident in Easton or elsewhere in the Lehigh Valley, you have the right to seek compensation from the at-fault party. This is where a truck accident lawyer can help you. Contact an experienced Easton truck accident lawyer at Munley Law Personal Injury Attorneys for a free case review. We do not get paid unless we win your case.
How Can an Easton Truck Accident Lawyer Help Me After a Truck Accident?
An Easton truck accident lawyer can assist you after an accident by navigating the legal complexities to secure compensation for your injuries, […]
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Philadelphia Cerebral Palsy Lawyer
If you or someone you know is living with cerebral palsy as the result of medical negligence in Philadelphia, finding the right lawyer can make a big difference. A Philadelphia cerebral palsy lawyer specializes in helping individuals and families affected by this condition navigate legal matters. They can provide support and guidance to ensure that the rights of those with child’s cerebral palsy are protected.
From seeking compensation for medical expenses to advocating for accommodations, these lawyers play a vital role in standing up for their clients’ well-being when unfortunate cerebral palsy cases or a brain injury occurs.
Understanding Cerebral Palsy
Cerebral palsy is a condition impacting movement and muscle coordination, typically caused by brain damage or brain injury before or during birth. This damage affects muscle control, leading to challenges with movement, posture, and balance.
While cerebral palsy isn’t curable, […]
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Philadelphia Erb’s Palsy Lawyer
Erb’s palsy is a condition caused by damage to the nerves around the shoulder during childbirth, resulting in weakness or paralysis of the affected arm. It occurs due to excessive stretching or pulling of the baby’s head and neck during delivery.
A Philadelphia Erb’s palsy lawyer specializes in these birth injury cases. Erb’s palsy lawyers help families pursue legal action against responsible parties to secure compensation for medical expenses and other damages. They work diligently to analyze medical records, collaborate with experts, and craft persuasive legal arguments.
Ultimately, the goal of a Philadelphia Erb’s palsy lawyer is to support families affected by Erb’s palsy by seeking justice and financial relief.
What is Erb’s Palsy?
As mentioned above, Erb’s palsy is a condition that affects the movement and strength of the arm, usually stemming from birth trauma. […]
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Pottsville Personal Injury Lawyer
Accidents in Pottsville and surrounding communities can have an overwhelming physical, emotional, and financial toll. At Munley Law, our Pottsville personal injury lawyers provide skilled, compassionate representation for car accidents, truck accidents, workplace injuries, slip-and-falls, and medical malpractice cases throughout Schuylkill County.
Our Pottsville injury law firm was founded to provide skilled, compassionate representation that levels the playing field against powerful insurance companies. Whether you’ve suffered injuries on Route 61, in a mining accident, or due to medical malpractice at a local healthcare facility, our Schuylkill County personal injury attorneys have successfully recovered millions in compensation for clients just like you.
Contact our Pottsville personal injury law firm today for a free consultation. Located in downtown Pottsville, with no fees unless we win your case.
Why Choose a Pottsville Personal Injury Attorney at Munley Law?
There are hundreds of personal injury law firms in Schuylkill County, […]
