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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The Common Causes of Uber Accidents in Wilkes-Barre, PA
Given the college-town atmosphere and urban setting, Uber has emerged as a pivotal player in transportation in Wilkes-Barre. However, its popularity has brought an increase in Uber-related accidents. The common causes of these accidents vary, ranging from distraction and fatigue to speeding and reckless driving as drivers navigate tight schedules. Adverse weather conditions in Wilkes-Barre also compound these risks, challenging even the most seasoned drivers. But as with any auto accident, mechanical failures and insufficient vehicle maintenance are notable factors for these collisions. Munley Law understands the complexities of auto accidents involving Uber and Lyft drivers and works to assist those affected by these collisions. Call our Wilkes-Barre Uber accident lawyer today if you or a loved one were involved in an Uber accident.
Common Causes of Uber Car Accidents in Wilkes-Barre
Uber accidents in Wilkes-Barre can occur for a variety of reasons. […]
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Easton Uber Accident Lawyer
In the modern era of ride-sharing, services like Uber have transformed the way we commute. However, along with this convenience come new complexities in the event of a car accident. If you’ve been involved in an Uber accident in Easton, Pennsylvania, you may find yourself navigating unfamiliar territory. Determining liability, dealing with car accident insurance companies, and understanding state-specific laws can be overwhelming. This is where the role of an experienced Uber accident lawyer becomes pivotal.
The Easton, PA, car accident lawyers at Munley Law Personal Injury Attorneys have the expertise in Uber-related accidents, understand the local legal landscape of Easton, and can significantly influence the outcome of your car accident case. Call a Munley Uber accident lawyer in Easton, PA, today for a free consultation so that you make an informed decision, protect your rights, and secure the compensation you deserve. […]
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Easton Wrongful Death Lawyer
No amount of money can make up for the loss of a family member. However, financial compensation can alleviate the financial burdens you may be facing and provide future security for you and your family. The knowledge that those responsible for your loss have been held accountable can provide peace of mind.
If you have lost a loved one in Easton due to an accident or an act of negligence, the Easton wrongful death lawyers at Munley Law can help you hold the at-fault party accountable. We have helped hundreds of families like yours obtain justice in Easton and Pennsylvania, even against powerful entities.
Why Do You Need an Easton Wrongful Death Lawyer?
A wrongful death is a death that is caused by negligence on the part of another person or company. […]
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Hazleton Construction Accident Lawyer
Construction is a hazardous industry with many risk factors for serious injury. These workplace accidents can happen quickly and unexpectedly, with severe, potentially life-long consequences. If you have suffered an injury after a construction accident, you need a construction accident attorney on your side who will help you get the compensation you need.
At Munley Law, our construction accident attorneys are highly experienced in handling these types of personal injuries for victims in Hazleton and throughout Pennsylvania. Our lawyers know how to navigate the complex worker’s compensation system and negotiate with any involved parties. We know how to identify the at-fault parties in your case and ensure they are held accountable.
The stakes are high after a construction accident. Let Munley Law give you the strongest odds for the maximum compensation you are owed. Reach out to our Hazleton construction injury law firm today for a free case consultation. […]
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Philadelphia Texting While Driving Accident Lawyer
Texting and driving is one of the most pervasive and most dangerous forms of distracted driving we see today. Philadelphia drivers who text at the wheel rear-end other motorists on the Schuylkill Expressway or hit pedestrians in the crosswalk in Center City.
There are multiple types of distraction: manual, visual, and cognitive. Texting while driving encompasses all three; it takes your hand off the wheel, your eyes off the road, and your mind off the task at hand. There’s little wonder that hundreds of thousands of injuries result from this behavior each year. Many of those injuries prove fatal.
If you or your family member were hit by a driver who was texting behind the wheel, you deserve justice. A Philadelphia texting while driving car accident lawyer can represent you and hold the at-fault person responsible. […]
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