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 If You Are Injured While on Vacation
A cruise in the Caribbean, a hiking trip in the Grand Canyon, a beach vacation in Hawaii, or exploring local gems — these are all dream vacations. But, even on a dream vacation, accidents can happen. One unexpected injury on vacation can throw you into a whirlwind of physical pain, emotional distress, and crippling financial debt.
If you were injured on vacation, don’t let worry consume you. The Munley Law personal injury lawyers can help you get back on your feet. We’re going to guide you through the right steps immediately following an injury and explain your legal rights after an accident. For more information, call an experienced lawyer at Munley Law today. We offer a free consultation where we listen to your story, explain your options, and help you understand the best path forward.
Immediate Steps to Take After a Vacation Injury
The first thing we need to discuss are actionable steps you can take immediately following an accident. […]
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Honesdale Personal Injury Lawyer
When an individual is injured due to someone else’s negligence, seeking the assistance of a Honesdale personal injury lawyer is a smart move. Personal injury lawyers specialize in helping injured individuals get compensation for medical expenses, lost wages, and pain and suffering. With their in-depth knowledge of the legal system, they work hard to ensure their clients receive fair treatment and just financial compensation.
Types of Cases We Handle in Honesdale
At Munley Law Personal Injury Lawyers, our Honesdale legal team handles a variety of cases to help people who someone else’s carelessness has wronged. From car accidents and slip-and-fall injuries to workplace mishaps and medical malpractice, the expert team at our law firm ensures that those who have been hurt get the justice and compensation they deserve.
The types of practice areas we commonly handle are:
Truck Accidents
Trucking accidents can be catastrophic due to the size and weight of these large vehicles. […]
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Boat Accident Lawyer
If you or a loved one have been seriously injured in a boating or water sports accident caused by someone else’s negligence, you may have cause to pursue legal action. As the injured victim, you may be entitled to monetary compensation for your medical treatment, missed time from work, and pain and suffering. However, you will likely need a boat accident lawyer who has the experience and legal acumen to get you the full compensation that you deserve.
For more than 65 years, the boat accident lawyers of Munley Law Personal Injury Attorneys have helped clients throughout Pennsylvania. Our boating injury attorneys have earned national recognition for their work on behalf of injured victims. We have been named among the Best Lawyers in America, and have received the highest possible peer and client review ratings from Martindale-Hubbell. Contact a boating accident lawyer now for a consultation free of charge. […]
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Are Electric Vehicles Safe in an Auto Accident?
Yes, electric vehicles are generally as safe as conventional vehicles in accidents. Research shows EVs have comparable overall safety records, and many models earn top safety ratings. However, they present different safety characteristics that drivers should understand.
Electric vehicles offer promising environmental benefits and innovative technology while presenting unique safety factors that every driver should know about. As EVs become increasingly common on our roads, knowing their specific characteristics could make a critical difference if you’re involved in a car accident.
The Growing Popularity of Electric Vehicles
The shift toward electric transportation is happening at an impressive pace. In 2023, the U.S. registered 1.4 million EVs—a 40% increase from the previous year. China is projected to manufacture approximately three million EVs by 2024, while the Environmental Protection Agency estimates that by 2032, half of all new passenger vehicles sold will be electric. […]
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YORK COUNTY — Man Killed in Car Accident with Tractor-Trailer
PARADISE TOWNSHIP (March 21, 2025) —— A man died after a head-on collision with a tractor-trailer in York County on Thursday, March 20.
The driver was reportedly driving westbound but drifted across the lane divider into the eastbound lane. He then crashed into a truck at the intersection of Lake Road in Paradise Township. The crash occurred around 12:50 a.m., according to the York Coroner’s Office.
At this time there are no reports on the status of the truck driver.
All roads have reopened. Pennsylvania State police continue to investigate.
Fatal Car Accidents with Tractor-Trailers in Pennsylvania
Navigating the aftermath of a fatal car accident requires specialized legal knowledge. Insurance companies often attempt to minimize payouts, even in tragic circumstances. Truck accidents often involve multiple potentially liable parties, including the truck driver, trucking company, cargo loaders, […]
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