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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Mehoopany Workers Compensation and Third Party Claims
Suppose you or a loved one has been injured in a work-related incident or is suffering from a work-aggravated condition or illness. In that case, you want a personal injury lawyer in Mehoopany who knows the worker’s compensation laws.
If you’ve suffered a workplace injury in Mehoopany and the injury was caused by another party, understanding your rights and options for compensation is vital to your workers’ comp claim. In Mehoopany, workers’ compensation and third-party claims are significant in securing the benefits you deserve.
What Are Workers’ Compensation Benefits?
When Mehoopany workers face injuries, the Pennsylvania Workers Compensation Act becomes a crucial source of support. Workers’ compensation is a state-mandated insurance program to benefit employees who suffer work-related injuries or illnesses.
Some key aspects to keep in mind about workers’ […]
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Williamsport Workers’ Compensation and Third Party Claims
When we report to work each day, we expect a safe environment where we can perform our duties without fear of injury. However, accidents can and do happen, often resulting in severe injury and hefty medical bills.
If you have been injured at work in Williamsport, you must understand your rights and available benefits. These typically include workers’ compensation, which can help cover medical expenses, rehabilitation costs, and a portion of your lost wages. Additionally, in certain situations, you may be able to lodge a third-party claim, such as if faulty equipment from an external supplier caused your accident.
The time to resolve a typical workers’ compensation or third-party claim can vary, but understanding this process and potential timeline is essential. It’s also important to note that under specific circumstances, such as gross negligence or deliberate harmful actions, you can directly sue your employer instead of claiming workers’ […]
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Erb’s Palsy Lawyer
Fight for Your Child’s Future with an Erb’s Palsy Attorney
Welcoming your newborn into the world should be a joyful experience. However, when you receive an Erb’s palsy diagnosis, your joy quickly turns to overwhelming worry. A thousand questions start swirling in your head: what caused my child’s injury? Was this medical negligence? Can it be fixed? Where do we even begin?
Enter the experienced Erb’s palsy attorneys at Munley Law. We understand the emotional and legal complexities of your child’s birth injury. We’ve helped countless families secure resources and financial compensation after their child developed Erb’s palsy.
Call today for a free case evaluation with a compassionate birth injury lawyer who will guide you through the legal process and outline all your options.
What is Erb’s Palsy?
Erb’s palsy is a birth injury impacting a newborn’s arm and shoulder. […]
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Pittston Uber Accident Lawyer
Uber currently has 131 million active monthly users, including those in Pittston. But when a car accident occurs involving an Uber, victims have concerns over their rights to compensation. This is where a Pittston Uber accident lawyer can help.
The personal injury lawyers of Munley Law represent car accident victims, including those involved in Uber accidents. For a no-obligation, free consultation, contact Munley Law today.
What Are the Causes of an Uber Car Accident?
Uber car accidents, like any car accident, can occur due to various factors. Understanding these causes is crucial for preventing accidents and navigating legal issues in their aftermath. Common causes of Uber accidents include:
- Distracted Driving: One of the leading causes of all car accidents, distracted drivers may get occupied by their phones, GPS devices, or even conversations with passengers, leading to a lapse in attention and potential accidents. […]
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Pittston Motorcycle Accident Lawyer
Driving a motorcycle puts you at an increased risk of serious injury compared to other car accident victims due to the size of the motorcycle versus a standard passenger vehicle. One wrong move by another driver can cause you to face lifelong consequences. This is when you need an experienced Pittston motorcycle accident lawyer.
From handling the insurance company, negotiating a settlement, and securing compensation, motorcycle accident victims can’t afford to be without legal representation. For a no-obligation, free consultation, contact the Pittston motorcycle accident lawyers of Munley Law.
What Are the Causes of Pittston Motorcycle Accidents?
Motorcycle accidents in Pittston can result from various factors. Understanding these causes is essential to the legal consequences when pursuing compensation after an accident.
Driver Error and Negligence
One of the leading causes of motorcycle accidents in Pittston is driver error or negligence. […]
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