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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Drunk Driving Accident Lawyer
If you were injured in an accident with a drunk driver, an expert drunk driving accident lawyer at Munley Law is ready to fight for your rights. When someone chooses to drink and drive, they risk their own lives, as well as the lives of everyone around them. If you have been injured in a car accident by a drunk driver, the law is on your side. If you were in a car accident because of someone else’s mistake, don’t worry; the law is on your side. You can seek justice and compensation for your injuries.
The Legal Consequences of a Drunk Driving Accident
Drunk driving is a serious offense. Since 2002, it has been illegal in all 50 states to drive with a blood-alcohol concentration (BAC) of 0.08 percent or higher. Drivers who get behind the wheel after drinking not only face criminal charges but can face civil liability for the harm they caused. […]
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Scranton Pedestrian Accident Lawyer
A Scranton pedestrian accident lawyer at Munley Law can help you understand your legal options for getting the money you need to cover your accident-related expenses and losses. Unlike regular car crashes, a collision involving a pedestrian can result in catastrophic injuries even at relatively low speeds.
With over six decades of experience, our Scranton pedestrian accident lawyers can handle the complex issues of your claim as you concentrate on healing from your injuries. We offer free consultations and handle these cases on a contingency basis. This means you do not pay us anything until we recover compensation for your accident. Call us today to schedule a free case evaluation with our Scranton personal injury law firm member.
Why Hire a Pedestrian Accident Attorney in Scranton, PA
A Scranton pedestrian accident attorney can gather the evidence, negotiate with the insurance company, […]
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York Personal Injury Lawyer
Every year, hundreds of York residents face unexpected injuries from car accidents, workplace accidents, and other personal injuries. Victims face mounting medical bills, lost wages, and emotional trauma. When you are hurt by someone else’s negligence, a York personal injury lawyer from Munley Law can help.
Our personal injury attorneys have recovered millions of dollars for injured clients throughout Pennsylvania. We know it’s hard to manage medical appointments and aggressive insurance companies. Our team shoulders the legal burden so you can focus on healing.
With 65 years of experience serving York PA and the surrounding communities, Munley Law knows Pennsylvania injury law and has a record of successful outcomes for our clients.
Don’t take on the legal system alone. If you or a loved one are injured, contact Munley Law for a free consultation. […]
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How Long Does a Medical Malpractice Lawsuit Take in Pennsylvania?
How long does a medical malpractice claim take in Pennsylvania? It can take anywhere between 1-5 years to resolve, depending on the complexity of the case. After suffering serious injuries, this timeline can seem like an eternity. However, an experienced attorney at Munley Law will make you and your family their top priority.
At Munley, we equip our clients with as much information about their claim as possible. After all, knowledge equals power. We are going to do a deep dive into the details of a claim, which will help explain the process you’re going through.
If you have more questions and want to speak with an experienced medical malpractice lawyer who can guide you through your claim, call the Munley law firm. Our attorneys have been successfully litigating medical malpractice claims since 1959. […]
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Amputation Lawyer
Amputation injuries, often caused by traumatic accidents, medical malpractice, or severe medical conditions, can have a profound impact on a person’s life forever. More than 5.6 million people are living with the loss of a limb in the U.S. This reality brings about considerable physical, emotional, and financial hurdles, requiring extensive medical treatment, rehabilitation, and prosthetic support — and making the legal journey quite intimidating.
If someone else’s negligence caused your amputation, it’s essential to consult with an experienced amputation lawyer who can help secure the compensation you deserve. A knowledgeable attorney will guide you through the legal process, protect your rights, and fight for the financial support you need for your healing and future.
Understanding Amputation Injuries
Amputation injuries lead to the loss of a limb or part of 
a limb, […]
