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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When Should I Hire a Lyft Accident Lawyer in Allentown, PA?
If you or a loved one has been in a Lyft accident in Allentown, PA, hiring a Lyft accident lawyer in Allentown may be the best path toward securing justice and financial compensation. Contact our law firm today for a free consultation, and learn how we can fight to protect you and your interests.
When Do You Need an Allentown Lyft Accident Lawyer?
If you are injured in a Lyft accident, you need an Allentown Lyft accident lawyer to help with your claim. Going up against Uber or Lyft in a legal setting can be intimidating. These large and powerful companies have vast resources, so having one of our experienced rideshare accident attorneys on your side is important.
Suppose there are no injuries to any party involved in the accident and no property damage. In that case, you may be able to resolve things through your insurance company without involving an experienced lawyer. […]
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Can I Sue Uber As a Passenger After an Accident in Allentown, PA?
Yes, it is possible to sue Uber if you were in an accident as a passenger in Allentown, PA. Unfortunately, Ubers experience car accidents just like any other vehicle. And after such an accident, you’ll need an Allentown Uber accident lawyer at Munley Law to help with your accident claim.
What is Uber’s Liability for an Auto Accident in Allentown?
Uber has frameworks in place to protect itself from liability in the event of an accident. They treat their Uber drivers as independent contractors, not employees, which helps mitigate the company’s responsibility. When a driver is an independent contractor, they are more easily held responsible for their actions rather than those actions reflecting on the company as a whole.
That being said, there are still situations where the company, not the Uber driver, may be liable. […]
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What Are the Common Types of Truck Accidents in Williamsport, PA?
Truck accidents are a significant safety concern in Williamsport, PA, for both motorists and pedestrians. Given the area’s commercial activity and frequently traveled roads, the likelihood of accidents involving large trucks has increased. If you get into a trucking accident in Lycoming County, you’ll need a Williamsport truck accident lawyer to help with the claim.
What Causes Truck Accidents in Williamsport, PA?
Truck accidents in Williamsport, PA, can be attributed to various factors, each presenting its own set of risks to road safety. Some of the most common causes of truck crashes include:
Distracted Driving
Truck drivers may become distracted by texting, adjusting GPS devices, or eating while operating their vehicles. Even for a few seconds, these distractions divert their attention from the road, increasing the risk of collisions and severe injuries due to delayed reactions or failure to notice hazards. […]
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Should I Call A Car Accident Lawyer After a Car Accident in Williamsport?
Call a Williamsport car accident lawyer immediately if you are involved in a car accident. Victims often wait to call an experienced car accident lawyer once they realize the insurance settlement offer is insufficient to cover their damages. By being proactive and calling a PA car accident lawyer before meeting with the insurance company, you’ll be a step ahead in seeking the compensation you need to move forward.
If you were in a car accident, call the Williamsport car accident lawyers of Munley Law today.
Why Work With a Williamsport Car Accident Lawyer?
You are never required to seek legal representation for a car accident. However, if you or your passenger suffered severe injuries, there are benefits to working with a Williamsport car accident lawyer.
An Experienced Car Accident Lawyer Will Establish Negligence
Determining who was at fault for the car crash will be the priority of your car accident lawyer. […]
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Cerebral Palsy Lawyer
Cerebral Palsy Caused by Medical Negligence
Cerebral palsy (CP) is a lifelong neurological disorder caused by birth injuries. It affects mobility, speech, and overall well-being. If you think medical malpractice played a role in your child’s cerebral palsy, you should seek guidance from an experienced cerebral palsy lawyer right away. You and your family may be entitled to significant financial compensation.
At Munley Law, our dedicated cerebral palsy attorneys can help you understand your legal options and fight for the compensation you deserve. Call today for a free consultation with a compassionate cerebral palsy lawyer who will listen to your story and offer a reasonable assessment of your case.
What is Cerebral Palsy?
To better understand your child’s condition, let’s break down exactly what cerebral palsy is. According to the Centers for Disease Control and Prevention (CDC), […]
