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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Scranton, PA Urgent Care Clinics Near Me
If you get into an accident in Scranton, PA, and your primary care physician or an overcrowded ER is not an option, your Scranton personal injury lawyer will tell you to go to a nearby urgent care clinic. These facilities offer a wide range of medical services by qualified healthcare providers, which are an invaluable asset to our Scranton community. Urgent care clinics in Scranton are open seven days a week with extended hours. These clinics allow for convenience and ease of care.
Express Urgent Care
449 Scranton Carbondale Highway
Scranton, PA 18508
570-344-6000
This highly-rated clinic provides a wide range of services to meet your healthcare needs. These services include an onsite lab, x-rays, physicals, vaccinations, COVID-19 testing, and diagnostic information to treat illness and urgent care injuries. Being open seven days a week, easy online “check in,” and most major insurance policies accepted make this clinic an easy and convenient choice when medical attention is needed. […]
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Carbondale Bus Accident Lawyer
Navigating the Legal Landscape in Carbondale, Pennsylvania
Munley Law understands the importance of local knowledge when it comes to personal injury cases. Our Carbondale bus accident attorneys are familiar with the area’s traffic laws, landmarks, and the unique challenges posed by bus accidents. Whether your case involves a school bus, passenger vehicle, or other factors, we have the expertise to navigate the legal landscape in Carbondale.
How Much Does It Cost to Hire a Carbondale Bus Accident Lawyer?
We believe in providing accessible legal support. That’s why we offer a free consultation to discuss the details of your bus accident case. Munley Law operates on a contingency fee basis, meaning you don’t pay unless we secure compensation for you.
If you or a loved one has been involved in a bus accident in Carbondale, don’t hesitate to seek legal action. […]
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Williamsport Construction Accident Lawyer
Construction sites can be perilous for construction workers and the public alike. Construction is one of the most dangerous occupations in the United States. In fact, the Bureau of Labor Statistics reports that 1 in 5 workplace fatalities happen in the construction industry. But, construction workers are not the only ones who can be hurt by falling equipment or lack of proper safety measures.
If you or a loved one has been involved in a construction accident in Williamsport, we know the physical, emotional, and financial toll it can take. You do not have to bear this burden alone. At Munley Law, we have over 60 years of experience fighting for the rights of accident victims in Williamsport, Pennsylvania, including those involved in construction accidents. We can help your family recover the financial compensation that is owed to you and hold the negligent parties accountable. […]
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Bloomsburg Bicycle Accident Lawyer
Navigating the charming streets of Bloomsburg, PA, on two wheels can be a delightful experience, but unfortunately, bicycle accidents can disrupt the tranquility of your ride. At Munley Law, your dedicated Bloomsburg bicycle accident lawyers, we understand the unique challenges bicycle accident victims face in our community. Whether you’re near Columbia County landmarks or exploring the beauty of Bloomsburg, our experienced law firm is here to guide you through the legal process and fight for the compensation you deserve.
Bicycle Accidents in Bloomsburg, PA: Understanding the Legal Process
In the aftermath of a bicycle accident in Bloomsburg, seeking the right lawyer who understands the local landscape is crucial. Munley Law specializes in personal injury law and has a proven track record in representing car accident victims, including those involved in bicycle accidents. Our experienced accident lawyers comprehend the emotional pain, injuries, and future medical bills that may follow such incidents. […]
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Bloomsburg Pedestrian Accident Lawyer
Pedestrian accidents are among the most damaging and deadly types of vehicle crashes. If you were involved in a pedestrian accident in Bloomsburg, the driver who hit you must be held accountable for the harm they caused. However, it can be difficult to obtain full, fair reimbursement for your economic and non-economic losses without the help of an attorney. An experienced Bloomsburg pedestrian accident lawyer can help you recover the compensation you need to cover your medical expenses and other losses and make you whole again.
Contact Munley Law Personal Injury Attorneys today for a free case review. We will hear your story, answer your questions, and advise you on the next steps – all free of charge. Should you choose to move forward with legal action, we can begin working right away to preserve critical evidence and get you the help you need as fast as possible. […]
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