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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Carbon Monoxide Poisoning Lawyer
Carbon monoxide poisoning victims deserve justice. They deserve Munley Law Personal Injury Attorneys
Known as “the silent killer,” carbon monoxide poisoning sends approximately 50,000 people to the ER every year. It can result in serious injuries that could take injury victims years to recover from. If you are exposed to carbon monoxide that was caused by the negligence of a property or business owner in Allentown, you do have the right to file a premises liability lawsuit for their actions.
The carbon monoxide poisoning lawyers at Munley Law Personal Injury Attorneys have been helping injury victims throughout Pennsylvania recover the compensation they need to pay for any expenses related to carbon monoxide poisoning. We understand how complex these cases can be and are ready to fight for your rights. With over 60 years of experience in personal injury claims, our carbon monoxide attorneys will represent your interests at the negotiating table as well as in the courtroom. […]
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What to Do After a Truck Accident
We know that if you or a loved have been injuried in a truck accident, you may have many questions. You may be wondering what to do after a truck accident. An experienced truck accident lawyer at Munley Law Personal Injury Attorneys can answer your questions. We’ve answered some of the most frequently asked questions here. You can also call us at 844.385.7535 for a free case evaluation where we can discuss the specific details of your truck crash. We will help you understand your rights and what you need to do.
Steps to Take After a Truck Accident Happened
In the immediate aftermath of a truck accident, there are things to do at the accident scene if you are able. The steps to take include:
- Remain calm
- Stay in your vehicle if it is safe to do so
- Turn on your hazard lights
- Use your cell phone to call 911, […]
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Can I Sue Someone Personally After a Truck Accident?
After you’ve been in a trucking accident, you may be faced with medical debt, property damage, ongoing pain and suffering, and even possible funeral expenses. One way to recoup your expenses is through a truck accident lawsuit. Many people wonder: is it possible to sue someone personally after a truck accident?
The truck accident lawyers at Munley Law Personal Injury Attorneys can answer this question, and help you determine the best way to get the compensation you need to rebuild your life. Contact us today for a free consultation with one of the nation’s top truck accident attorneys.
Because of the immense weight and size of tractor trailers and other large trucks, truck accidents often result in serious injuries and damages. This is especially true if the accident involves a crash between a large truck and a much smaller passenger vehicle. According to the U.S. […]
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What to Do If Dangerous Weather Caused a Pennsylvania Truck Accident
Driving in the winter or under various dangerous weather conditions can be a challenge regardless of the vehicle you’re driving. Rain, snow, sleet, fog, and sun glare can all affect driver performance. Conditions affecting visibility and traction entail longer brake times with an increased chance of losing control of the vehicle.
According to a Pennsylvania Department of Transportation (PennDOT), there are over 120,903 linear miles of roadways across Pennsylvania, on which far too many accidents occur due to adverse weather conditions. PennDOT has reported that in 2020 alone, there were 104,475 reported crashes including 6,344 truck crashes on the Pennsylvania roadways. Of those 104,475 reported crashes, 24% occurred while the road conditions were wet, snowy, or icy.
The Dangerous Combination of Large Commercial Semi-Trucks and Adverse Weather Conditions
As more traffic congests the roads, accidents grow more frequent with more injuries and catastrophic results. […]
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Dog Bite Lawyer
If you were attacked by a dog, contact a dog bite lawyer at Munley Law Personal Injury Attorneys for a free consultation.
Any type of animal attack can be devastating. Often, the victim of an animal bite will have both physical and emotional scarring. This is where our experienced dog attack attorneys can help.
For over 60 years, the lawyers at Munley Law Personal Injury Attorneys have represented injury victims, including dog bite victims, throughout Pennsylvania. We understand how complicated these cases can sometimes be and are ready to answer any questions you may have about your case.
Most homeowners’ and renters’ insurance policies cover bite injuries, so let us help you recover the damages you deserve for your scarring, pain and suffering, medical bills, and lost wages from your injury.
Our injury attorneys have recovered millions of dollars in settlements and verdicts for our clients. […]
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