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 to Do After a Medical Emergency Causes a Car Accident
Medical emergencies while driving can lead to devastating accidents. When another driver suffers a sudden health crisis behind the wheel, the collision can leave you with serious injuries, vehicle damage, and mounting expenses. As a victim, you deserve compensation for your losses, even when the other driver experienced a genuine medical emergency. Securing fair recovery requires a careful examination of the driver’s medical records, driving history, and the specific circumstances of the accident.
If you were injured in a car accident caused by someone else’s medical emergency, let the experienced car accident attorneys at Munley Law help you with the legal process. Our attorneys can ensure that you receive the compensation you are due. Schedule a free initial consultation today.
Medical Emergencies Behind the Wheel
Medical emergencies that cause car accidents often occur without warning to victims. A study by the National Highway Traffic and Safety Administration (NHTSA) found that while many accidents involving medical conditions are single-vehicle crashes, […]
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Tips for Staying Awake While Driving
Driving safely requires staying alert behind the wheel. Unfortunately, data indicate that drowsy driving is not uncommon on U.S. roads. Drivers who fall asleep may cause accidents that could injure or kill other motorists and pedestrians.
Were you recently injured in such an accident? If so, compensation for medical bills, lost wages, and other such losses may be available.
Contact our car accident attorneys at Munley Law for more information about your case. We’ll help you pursue the compensation you deserve. In the meantime, we offer the following tips to help you guard against falling asleep while driving.
The Deadly Reality of Fatigue-Related Accidents
Drowsy driving is a significant problem in the U.S. According to the National Highway Traffic Safety Administration (NHTSA), drowsy driving crashes resulted in 693 fatalities on U.S. roads in 2022 alone. In 2017, […]
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Hamburg, PA – Truck Driver Injured After Ice Crashes Into Windshield
HAMBURG, PA (February 24, 2025) – A semi-truck driver was injured after a large chunk of ice shattered his windshield while driving on February 21.
According to news reports, the truck driver was driving on Interstate 78 eastbound when a large chunk of ice flew off a passing tractor trailer in the westbound lanes.
Dash cam video shows the moment the ice crashed into his windshield, causing glass and ice to hit him in the chest and face. He was able to keep control of his truck despite his windshield being shattered.
The driver suffered minor cuts to his hands and face.
Truck Accidents Involving Ice and Snow in Pennsylvania
What many people don’t realize is driving with ice and snow on their vehicles is against the law. According to Pennsylvania Title 75, Section 4524(e) of the Pennsylvania Vehicle Code, […]
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Northampton County, PA – One Dead Following Car Accident on Route 33
NORTHAMPTON COUNTY, PA (February 21, 2025) – Weather may have played a role in a deadly car accident on Route 33 in Northampton County on February 20.
According to officials, the crash occurred just after 4:22 p.m. near the Belfast exit on Route 33 in Bushkill Township. The car went off the road and slammed into a tree.
The Northampton County coroner was called to the scene of the accident.
According to Pennsylvania State Police, the snowfall had turned heavy at that time and had caught many drivers off guard.
The investigation into the crash is ongoing.
Weather-Related Car Accidents in Northampton County
In Northampton County, Pennsylvania, weather-related car accidents present significant personal injury concerns, particularly during harsh winter conditions when we experience snow, ice, and freezing rain. The county’s location in the Lehigh Valley means it deals with varied weather patterns that can create hazardous driving conditions, […]
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What Does a Voluntary Recall Mean?
When a dangerous product is introduced onto store shelves, the U.S. Food and Drug Administration (FDA) can force companies to remove it from the market. However, many companies don’t wait for the FDA to act. Instead, they choose to issue voluntary recalls, proactively removing products they believe could pose risks to consumers.
These voluntary recalls serve as a safety mechanism in our consumer protection system. While the FDA oversees the process, companies can initiate recalls for any potential safety concern, whether a manufacturing defect, contamination risk, or design flaw could harm consumers. This proactive approach protects public safety and helps companies manage liability and maintain consumer trust.
Understanding how voluntary recalls work is essential for consumers. Whether you’ve purchased a recalled product or been injured by one, knowing your rights and the proper steps to take can significantly improve your safety and help you obtain any compensation you may be entitled to. […]
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