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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What Causes Most Truck Accidents in Pennsylvania?
How Can a Truck Accident Lawyer Help With My Trucking Accident Case?
The Commonwealth of Pennsylvania is a major trucking route hub, seeing thousands of trucks on its roads per year. With an increase in truck traffic comes an increased risk of truck accidents. If you get into a truck accident, it’s important to understand what caused the crash. You’ll need the help of an experienced Pennsylvania truck accident lawyer at Munley Law Personal Injury Attorneys.
Munley Law Personal Injury Attorneys is a nationally recognized personal injury firm with a unique focus on truck accidents nationwide. Daniel and Marion Munley, two of the firm’s partners, have received accolades from their peers and legal organizations for their truck accident verdicts and settlements — for example, our truck accident lawyers have secured one of the largest settlements for an individual plaintiff in Northeastern Pennsylvania for a truck accident case. […]
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Does Driver Fatigue Cause Truck Accidents?
One of the most common causes of truck accidents is truck driver fatigue
Commercial truck drivers have a hard job. Navigating busy highways, unfamiliar routes, roads and cities with constantly changing driving conditions, ever-changing weather and road conditions, unclear road construction signs, shifting traffic patterns all have to be managed with great care. There is also the pressure from the trucking company to deliver a load on a tight deadline.
Traffic jams, construction delays and unreasonable deadlines can cause some truck drivers to skip legally mandated breaks. These regulations are put in place so truck drivers do not become fatigued and increase the risk of an accident occurring. If driver fatigue caused truck accident, do you know what to do next?
Our experienced truck accident lawyer at Munley Law Personal Injury Attorneys knows all too well how dangerous fatigued driving can be. […]
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Dump Truck Accident Lawyer
Injured in an Accident With a Dump Truck? Munley Law Can Help
Dump trucks, typically used for transporting loose materials to and from construction sites, pose a danger to other drivers on the road due to their size and weight. When you get into an accident with a dump truck, you could be facing debilitating injuries and huge expenses that you were not expecting. It may be difficult to obtain compensation on your own. If you or someone you love suffer a serious injury in an accident with a dump truck, consult a dump truck accident lawyer at Munley Law Personal Injury Attorneys to assist you with your claim.
For more than 60 years, Munley Law has been the go-to Pennsylvania truck accident law firm. Our attorneys are nationally recognized as leaders in trucking law. We’ve achieved millions of dollars in settlements and verdicts for our truck injury clients across the United States. […]
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UPS Truck Accident Lawyer
Collided with a UPS Truck? Call a Truck Accident Lawyer Today.
The United Parcel Service, or UPS, delivers packages and letters quickly across the country. This is an important service with great benefits. Unfortunately, the pressure to deliver on time can lead many UPS drivers to speed and disobey traffic rules, causing accidents.
If you or a loved one were injured in a UPS truck accident, or if a family member was killed, contact an experienced UPS truck accident lawyer at Munley Law Personal Injury Attorneys or via our online form for a free, no-obligation consultation as soon as possible. We are happy to discuss the circumstances of your injuries, help you understand your legal options, and provide a free case evaluation.
Types of UPS Truck Accidents
The most common kinds of UPS truck accidents are:
- Blindspot collisions. […]
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FedEx Truck Accident Lawyer
In an accident with a FedEx truck? Hire an experienced truck accident lawyer today.
FedEx offers an important service, allowing packages to be delivered to consumers and businesses throughout the United States quickly. Unfortunately, the pressure to make deliveries on time can lead many FedEx drivers to speed and disobey traffic laws, causing accidents. When you get into an accident with a FedEx truck, you may not know what your next steps should be. Who is to blame for your accident and how can you be properly compensated for your injuries?
If you or a loved one were injured in a FedEx truck accident, or if a family member was killed, contact an experienced FedEx truck accident lawyer at Munley Law Personal Injury Attorneys for a free, no-obligation consultation as soon as possible. We are happy to discuss the circumstances of your injuries, help you understand your legal options, […]
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