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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Carbondale Truck Accident Lawyer
If you were injured in a truck accident, our Carbondale truck accident lawyers can help.
A trucking accident can change a victim’s life drastically. With some of the major highways in Pennsylvania running around or through Carbondale, getting into a truck accident is extremely likely. When this occurs, you’ll need a Carbondale truck accident lawyer who has the knowledge needed to take on the trucking company and secure compensation that will take care of your injuries. You need Munley Law.
If you or someone you know was injured in a crash with a large commercial truck, our Carbondale truck accident lawyers are ready to fight for you. Schedule a free consultation with the nation’s premier truck accident lawyers at Munley Law today.
Do I Need a Carbondale Truck Accident Lawyer?
As the injured victim in a trucking accident, you may be able to bring a lawsuit against the negligent party to get compensation for your injuries. […]
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Workers’ Compensation for Construction Workers in Wilkes-Barre
Workers in construction fields are more likely to suffer workplace injuries than in other industries.
A job site injury can lead to expensive medical treatment, lengthy physical therapy, costly rehabilitation, and time away from work without pay. On a construction site, workplace injuries can be serious and even result in death. In fact, construction workers are more likely than workers in other industries to suffer a workplace injury or be killed on the job.
According to the Bureau of Labor Statistics, 5,333 workers died on the job in 2019. That’s more than 3 workers who die for every 100,000 people who work! On average, over 100 workers die each week from workplace injuries, or about 15 deaths every day. About 20% of those deaths are in the construction industry.
Workers’ compensation benefits exist to compensate families of construction workers who are killed on the job and to cover medical expenses and lost wages suffered by injured workers. […]
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Wilkes-Barre Workers’ Compensation Denials
Wilkes-Barre Workers’ Compensation Denial: Work With an Experienced Work Injury Attorney You Can Trust
Workers in any industry in Wilkes-Barre can be injured on the job. Many people assume that they will be protected by their employer’s workers’ compensation insurance should an accident occur. While many states (including Pennsylvania) require businesses to have workers’ compensation insurance, this does not mean that every claim gets approved. The reality is that the workers’ compensation claims process is complex, and an employer, or their insurance company, will likely look for any reason to deny an employee’s claim. Legitimate claims are often denied simply because there was a simple paperwork error. If you need assistance with a Wilkes-Barre workers’ compensation denial, the work injury attorneys at Munley Law Personal Injury Attorneys are ready to help.
While it is not uncommon for Wilkes-Barre workers’ compensation claims to be denied, […]
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Wilkes-Barre Workers’ Compensation for Healthcare Workers
Wilkes-Barre Workers’ Compensation: Healthcare Worker Injuries
Healthcare workers in Luzerne County medical facilities like Commonwealth Health Wilkes-Barre General Hospital, Geisinger South Wilkes Barre, and Wilkes Barre VA Medical Center face a significant risk of injury. Staff members of Little Flower Manor and other popular direct care facilities may face an even greater possibility of being involved in an accident that results in personal injury. Nursing homes have one of the highest occupational illness and injury rates in the United States.
The recent pandemic highlighted the valuable role healthcare workers play in caring for others. But we often overlook the fact that those who work in medical facilities, whether as physicians, nurses, or other medical support staff members, frequently suffer injuries themselves, while helping others.
If you are a healthcare worker at one of Wilkes-Barre’s hospitals, long-term care centers, or any type of medical facility, […]
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How Does a Personal Injury Lawsuit Work?
Most people never think about what it takes to file a lawsuit until the time comes. If you have never had to take part in a personal injury lawsuit, you probably don’t know exactly what to expect. How does a personal injury lawsuit work? The entire process can be intimidating or confusing when it is unfamiliar. You likely have a lot of questions.
Your personal injury lawyer from Munley Law Personal Injury Attorneys will be by your side every step of the way, but you still should have an understanding of how the process works. In truth, every case is different, and some are more complex than others. But, there are certain elements that will remain consistent in most lawsuits. Consider this your guide to personal injury lawsuits and how they work.
Why File a Personal Injury Lawsuit?
First, why file a personal injury lawsuit? […]
