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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Texting While Driving Accident Lawyer
Texting and driving is an incredibly negligent act, and one that is far too common. If you or someone you love have been hurt in an accident with a driver who was texting or using a cell phone behind the wheel, contact a texting while driving accident lawyer at Munley Law Personal Injury Attorneys. Since 1959, our car accident lawyers have fought for injured victims and their families. We have helped thousands of people recover compensation for their medical bills, lost time from work, and the pain and suffering they’ve endured.
Our attorneys have consistently been named among the Best Lawyers in America (via the legal guide Best Lawyers) and the nation’s Best Law Firms (via U.S. News and World Report). We have earned the trust of our clients and the respect of our peers. If you have suffered an injury at the hands of a distracted driver, […]
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Car Accidents in Bad Weather
Bad Weather
If you have been injured by a negligent driver in a car accident in bad weather, you may be able to file a personal injury lawsuit against the responsible party. Proving negligence in a bad-weather accident can be complicated, so your best course of action is to consult an experienced car accident lawyer as soon as possible. Since 1959, [firm-name] has been the go-to law firm for injured victims. Our car accident lawyers have earned the highest possible peer and client ratings from Martindale-Hubbell, and have been named among the Best Lawyers in America by the legal guide Best Lawyers. We have won millions of dollars on behalf of our clients in Pennsylvania, New York, New Jersey, and all over the United States.
If you have suffered an injury in a car accident caused by a careless driver in bad weather, […]
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FAQs About Workers’ Compensation in Harrisburg, PA
Harrisburg, Pennsylvania: Your Workers’ Compensation Questions Answered
As your dedicated workers’ compensation lawyers in Harrisburg, we understand that navigating the intricacies of workers’ compensation law can be challenging. That’s why we’ve compiled this extensive guide to provide you with essential insights and guidance tailored to our local community.
When it comes to workers’ compensation, you need information that’s not only accurate but also relevant to your specific circumstances. Munley Law’s Harrisburg-based legal team has deep roots in the local community and a wealth of experience assisting injured workers and their families throughout the Susquehanna Valley.
Why Choose a Local Harrisburg Attorney for Workers’ Compensation?
Before we dive into your questions, let’s address why having a local workers’ compensation attorney in Harrisburg, Pennsylvania, matters when dealing with workers’ compensation. The nuances of workers’ comp law can vary from one state to another, […]
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Workers’ Compensation Death Benefits for Harrisburg Workers
Navigating Workers’ Compensation Death Benefits in Harrisburg, PA
At a time when you and your family are coping with the loss of a loved one due to a workplace accident, it’s crucial to have a dedicated Harrisburg workers’ compensation attorney from Munley Law by your side. In the heart of Pennsylvania’s capital city where industries such as healthcare, manufacturing, and government play a significant role in the local economy, accidents can tragically occur.
When facing the unthinkable, you need a compassionate, knowledgeable, and locally-rooted advocate who understands the unique dynamics of Harrisburg’s industries and the legal intricacies of workers’ compensation death benefits in Pennsylvania.
Munley Law’s Harrisburg-based workers’ compensation attorneys specialize in helping families like yours during these challenging times. We’re intimately familiar with the city’s diverse workforce, including those in healthcare institutions like Penn State Health Milton S. Hershey Medical Center, […]
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Abington Premises Liability Lawyer
Whether it’s a slip on a wet floor, a trip over an uneven sidewalk, or an injury from a falling object, when hazards go unaddressed, they can lead to serious injuries or even fatalities. In such situations, the victims have the right to seek compensation for their injuries. However, navigating the complexities of premises liability claims can be challenging. It’s crucial to contact a knowledgeable lawyer who can guide you through the legal process, ensuring that evidence is preserved, responsibilities are clearly defined, and that you receive the compensation you deserve. If you’ve been injured on someone else’s property in Abington, contact an experienced premises liability lawyer at Munley Law for a free case review.
Understanding Premises Liability
Premises liability is a legal concept that revolves around the responsibility of property owners and managers to ensure the safety and well-being of individuals on their property. […]
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