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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Norristown Lyft Accident Lawyer
When you’re injured in a Lyft accident, you’re not just dealing with another driver and their insurance company. Instead, you’re up against Lyft’s corporate policies, their insurance providers, and potentially multiple other parties. Complications can easily arise, leading to delayed claims, denied compensation, and mounting medical bills without financial compensation. The emotional stress, on top of the physical pain from serious injuries can overwhelm anyone.
That’s where the Norristown Lyft accident lawyers at Munley Law step in. Our Norristown personal injury attorneys understand the unique challenges you and your family face. We have years of experience with Lyft, Uber, and other rideshare accident cases. Our car accident lawyers have won millions for our injured rideshare victims and we are confident we can do the same for you. Call today for a free consultation with one of Munley’s Norristown injury lawyers. We will listen to your story, […]
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Norristown Premises Liability Lawyer
Getting injured on someone else’s property in Norristown can completely disrupt your daily life. Our Norristown premises liability lawyers at Munley Law understand the physical, emotional, and financial toll an accident can have. For 65 years, we 
have helped victims of dangerous property conditions secure compensation through skilled negotiation and aggressive litigation.
Pennsylvania property owners are obligated to maintain safe conditions for their guests. Whether you slipped on an icy sidewalk, tripped on broken stairs, or sustained an injury due to inadequate security, our experienced attorneys know how to investigate your case and build a strong claim for damages. We’ve successfully handled countless premises liability cases throughout Montgomery County, recovering millions in settlements and verdicts for our clients.
At Munley Law, we believe in holding negligent property owners accountable when their failure to maintain safe premises results in serious injury. Our Norristown personal injury lawyers offer free consultations to discuss your case and explore your options. […]
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Norristown Motorcycle Accident Lawyer
If you’ve been injured in a motorcycle accident, the experienced Norristown motorcycle accident attorneys at Munley Law understand what you’re facing. Our team has spent decades representing motorcycle riders throughout Montgomery County, securing substantial settlements and verdicts for our clients.
Pennsylvania motorcycle accident cases can be challenging, especially when dealing with insurance companies who often try to minimize or deny valid motorcycle accident claims. This is why it’s important to have a law firm on your side with extensive experience with this specific type of case. Since 1959, Munley Law has worked tirelessly to achieve justice for people throughout Pennsylvania.
If you’re dealing with concerns about medical bills, lost wages, or getting your bike repaired, our attorneys are ready to help. We can answer your questions, explain your options clearly, and create a plan to pursue the compensation you deserve. Get started with a free consultation with a motorcycle accident attorney today. […]
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Norristown Pedestrian Accident Lawyer
If you’ve been injured as a pedestrian in an accident due to someone else’s negligence, a Norristown pedestrian accident lawyer can help protect your rights and fight for the compensation you deserve. Pedestrian accidents can result in severe injuries, overwhelming medical expenses, lost wages, and emotional trauma. You need legal representation that delivers results. Our attorneys combine proven expertise with personal attention, methodically pursuing your rightful compensation while ensuring your needs remain the priority throughout the process..
At Munley Law, our attorneys have a proven track record of successfully handling pedestrian accident claims in Norristown and throughout Pennsylvania. We understand injured pedestrians’ struggles and are committed to providing personalized attention and aggressive representation to every client.
Contact Munley Law today for a free, no-obligation consultation with a skilled Norristown personal injury lawyer. For 65 years, we’ve been helping accident victims in Pennsylvania with their personal injury cases. […]
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Montgomery County, PA – Bike Accident Leads to Hospitalization
MONTGOMERY COUNTY, PA (March 3, 2025) —— A man on a bike was injured in an accident with a car in Montgomery County on March 2.
According to news reports, the incident occurred around 8:45 p.m. on West High Street in West Pottsgrove Township.
Police informed a photojournalist on the scene that the biker was reportedly going the wrong way when he hit a car turning onto Center Street.
The biker was taken to a local trauma center, and the driver of the impacted car was not injured.
Bike Accidents in Pennsylvania
Pennsylvania sees thousands of bicycle-motor vehicle collisions annually, with particularly high concentrations in Philadelphia, Pittsburgh, and other urban centers where cycling commuters are more common. Due to their vulnerable position compared to motorists, cyclists often suffer more severe injuries.
Pennsylvania follows a comparative negligence rule, which means compensation can be reduced by the percentage of fault attributed to each party. […]
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