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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Stroudsburg Workers Compensation Lawyer
A Stroudsburg workers compensation lawyer can help anyone injured while on the job in Stroudsburg. Monroe County workers have the right to receive compensation for a workplace accident. Unfortunately, this does not always happen. Workers often face obstacles to getting the benefits they deserve. Knowing your next steps following a workplace injury can be challenging with the complex workers’ compensation system.
Serving the Stroudsburg community for 65 years, Munley Law has earned our clients’ trust and our peers’ respect. Our board-certified Stroudsburg workers comp attorneys can help you get your benefits following a workplace accident. Contact our Stroudsburg office to schedule a free consultation. We do not collect a fee for our services unless we recover your benefits.
Types of Workers Compensation Benefits in Stroudsburg
According to the Pennsylvania Workers Compensation Act, workman’s compensation benefits are meant to pay any expenses related to your work injury. […]
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Chester Personal Injury Lawyer
When accidents shatter lives, the Chester personal injury lawyers at Munley Law fight to make things right. The physical and emotional toll of an injury can be devastating – mounting medical bills, lost wages, and overwhelming stress take their toll on you and your loved ones. Our accident attorneys bring decades of proven experience and a fierce family legacy of advocating for the injured in Chester and throughout Delaware County. We don’t just handle cases – we get life-changing results and the maximum compensation you deserve when someone else’s negligence causes you harm.
What Sets Our Personal Injury Attorneys Apart in Chester, PA
When choosing an injury lawyer, you need someone who understands your challenges and is willing to fight for you. At Munley Law, we’ve spent generations helping accident victims get the justice they deserve. Our attorneys are board-certified trial lawyers who know how to take on tough cases and fight for our clients every step of the way. […]
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CENTRE COUNTY, PA – One Dead, 12 Injured Truck Crash on Rte 322
HARRIS TOWNSHIP, PA (March 25, 2025) — One person was killed and 12 others were injured in a multi-car pileup with a truck on Monday, March 24 in a crash on Route 322.
A Chevrolet truck driving west on 322 crossed into the eastbound lane and hit a tractor-trailer. Being struck by the Chevrolet caused the tractor-trailer to cross into the westbound lane and hit two other vehicles.
The crash reportedly involved five vehicles and left 12 people injured. It occurred near the 5700 block of the Mount Nittany Expressway.
According to State College Police, the Chevrolet truck driver was taken to Mount Nittany Medical Center and was pronounced dead. The driver of the tractor-trailer and two other vehicles were transported to the hospital, where they were treated and later released.
All roads have reopened. Police continue to investigate.
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Scranton Truck Accident Lawyer
For 65 years, the Scranton truck accident lawyers at Munley Law have been helping truck accident victims in Scranton, PA. Our team includes three board-certified truck accident attorneys who understand the complexities of these cases and the challenges you face.
Don’t navigate this difficult time alone. Our knowledgeable lawyers will guide you through the legal process, ensuring your rights are protected and fighting for the compensation you deserve. Time is critical in accident cases. Contact Munley Law today for a free consultation. Let us put our expertise to work for you.
Hiring Munley Law As Your Truck Accident Attorney in Scranton, PA
A truck accident lawyer focuses on helping injury victims obtain compensation from various parties responsible for the victim’s losses, including the truck driver, trucking company, and third-party brokers. It is important to hire a truck accident attorney promptly after an accident to protect your rights, […]
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UNION COUNTY — 10-Year-Old Dies in Pennsylvania ATV Accident
WEST BUFFALO TOWNSHIP, PA (March 25, 2025) — A 10-year-old girl driving an all-terrain vehicle (ATV) was killed in a wreck on Saturday, March 23.
The girl was reportedly driving along Red Bank Road near Mifflinburg around 2:30 P.M. when the wreck occurred.
Emergency responders acted to save her, before she succumbed to the injuries. Mifflinburg and Reliance Ambulance, William Cameron Ambulance, Geisinger Life Flight, and the Montour County Coroner all assisted.
Authorities have not released further details.
Single-Vehicle Accidents, Fatal Auto Accidents & ATV Crashes in Pennsylvania
Fatal crashes can be psychologically and physically traumatic for the loved ones and survivors of these crashes. The aftermath of a single-vehicle accident extends far beyond property damage. Victims often face:
- Life-altering traumatic injuries requiring extensive rehabilitation
- Psychological trauma, including PTSD and anxiety about driving
- Financial burdens from medical expenses and lost income
- Long-term disability requiring lifestyle adjustments
ATV accidents often include multiple liability parties, […]
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