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 Uber Accident Lawyer
Carbondale Uber Accident Lawyer
Companies like Uber provide a convenient service to the public, but they can also go to great lengths to avoid liability when things go wrong. Large companies including Uber have extensive resources and large defense teams to protect their interests. You deserve the same level of protection.
If you were injured in a car accident involving an Uber driver in Carbondale, call Munley Law for a free consultation today. We can establish liability and negligence, determine whose insurance should pay for your damages, and fight for the maximum recovery for you. Our attorneys have decades of experience fighting for people like you against large, powerful companies.
We offer virtual consultations, as well as in-person meetings in our Carbondale office location. Or, if you are seriously injured and cannot travel, we can come to meet with you in the hospital or at your home. […]
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Pittsburgh Workers’ Compensation Death Benefits
Pittsburgh death benefits attorneys at your side
Famous for our steel mills, Pittsburgh is still a steel city but it has also established itself as a busy technology hub with major industry players such as Google, INTEL, Apple, and Facebook making a home in Pittsburgh. There are more than 1 million people employed across a dizzying variety of industries and sectors in Pittsburgh. Workers in Pittsburgh are the heart of its success, popularity, and the region’s economy. So when someone is hurt at work, they should know they can count on workers’ compensation benefits to help get them back on their feet.
However, sometimes, an injury from an accident at work or from an occupational illness can be so serious that it leads to the death of the injured or sick employee. When this happens, the deceased worker’s family deserves compensation in the form of death benefits provided by the same workers’ […]
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Carbondale Catastrophic Injury Lawyer
We help those who have suffered catastrophic injuries. Call our Carbondale catastrophic injury lawyers today.
Any time an act of negligence causes an injury, the victim deserves justice. But in the event of a catastrophic injury, the stakes are even higher. Catastrophic injuries often occur suddenly and without warning. They can change your life for a long time, even permanently. They can prevent you from working and from living your life. A catastrophic accident can place an incredible strain on you and your entire family. But you can take your life back by filing a catastrophic injury lawsuit.
The Carbondale catastrophic injury lawyers at Munley Law can help you. We have been helping people in Carbondale since 1959. Unlike most personal injury law firms, we dedicate a significant portion of our practice to cases involving catastrophic and life-threatening injuries. When it matters most, […]
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Carbondale Pedestrian Accident Lawyer
Helping Victims of Pedestrian Accidents in Carbondale
When it comes to car accidents, pedestrian accidents can be the most devastating. Pedestrian collisions with motor vehicles represent 17% of crash fatalities, as of 2020. Victims who do survive must often go through a long and costly recovery period and may be left with permanent disabilities. Even when you take every precaution you can as a pedestrian, you may still find yourself the victim of a negligent driver.
If you or a loved one have been hit by a truck or car as a pedestrian, you need an experienced attorney in your corner. At Munley Law, our injury lawyers in Carbondale have the proven skill and extensive experience to help you recover damages from your pedestrian accident. We can work with you to obtain the compensation you need to pay medical bills, […]
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Carbondale Lyft Accident Lawyer
Lyft Accident Lawyer in Carbondale
Rideshare services like Lyft are a modern convenience and a popular alternative to public transportation. When you need a ride, Lyft can pick you up. But if you get into an accident in a Lyft, they might leave you to fend for yourself. A Lyft accident lawyer can make sure you get the help you need and the compensation you deserve from the at-fault parties, including Lyft.
Because Lyft considers itself a tech company (not a transportation company) and its drivers are independent contractors (not employees) it can be difficult to hold the company accountable for its drivers’ actions. But if you find yourself in this situation, you don’t need to worry – fighting for victims’ rights is what we do best.
Since 1959, Munley Law has fought for the legal rights of people in Carbondale and throughout Pennsylvania. […]
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