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.
More information about Insurance
Lancaster County, PA – Man Dies After Van Collides with Scooter
Lancaster County, PA (February 11, 2025) – A man has died after a van collided with the scooter he was riding on with his sons in Lancaster County on February 10.
According to news reports, the man was driving a scooter that crashed around the 5800 block of the Old Philadelphia Pike in Salisbury Township around 3 p.m. Police say the man and his 15-month-old boy were taken to Lancaster General Hospital while the 6-year-old was airlifted to Penn State Health Milton S. Hershey Medical Center.
The man died at the hospital while the two boys remain in critical condition. The driver of the van was not injured.
The investigation is ongoing.
Scooter Accidents in Pennsylvania
Personal injury cases involving scooters in Pennsylvania have become increasingly common, particularly with the rise of electric scooters in urban areas. Under Pennsylvania law, […]
Read MoreMore information about Insurance
Carlisle Personal Injury Lawyer
A Carlisle personal injury attorney at Munley Law is ready to help if you’ve been injured due to someone else’s negligence. For over 60 years, our award-winning legal team has fought for the rights of accident victims throughout Cumberland County, securing millions in verdicts and settlements.
When dealing with mounting medical bills, lost wages, and an injury’s physical and emotional toll, you need a law firm with proven experience handling complicated personal injury cases. Our track record includes landmark victories in truck accident litigation, workplace injury claims, and wrongful death cases throughout Pennsylvania.
Our personal injury attorneys understand Carlisle’s unique challenges. From accidents on I-81 to injuries at local businesses and construction sites, we have the resources and expertise to build the strongest case for you. Our team includes investigators, medical experts, and accident reconstruction specialists who work together to uncover every detail that strengthens your claim. […]
Read MoreMore information about Insurance
What Qualifies as Permanent Partial Disability for Workers’ Comp?
Understanding permanent partial disability benefits can make a significant difference in your recovery and your financial stability after a work injury. A workplace accident can leave you with a lasting medical condition that affects your ability to work, but may not completely prevent you from working altogether. When that happens, you have options for financial support through workers’ compensation benefits.
Many injured workers are surprised to learn they might qualify to receive benefits even if they can still perform some job duties. Whether you’ve suffered a back injury that limits heavy lifting, hearing loss from industrial noise, or nerve damage that impacts dexterity, permanent partial disability benefits help bridge the gap between your pre-injury and post-injury earning capacity.
At Munley Law, our experienced workers’ compensation attorneys have helped hundreds of Pennsylvania workers secure the permanent partial disability benefits they need. Contact us today for a free consultation to learn what your claim is worth and how we can help protect your rights. […]
Read MoreMore information about Insurance
Ski Accident Lawyer
While most winter sports enthusiasts understand the inherent risk involved, no one plans to be the victim of a ski accident—especially one that leads to serious injury, loss of income, and long term recovery.
At Munley Law, our legal team has secured significant settlements for clients hurt by ski resort negligence, equipment failures, and reckless skiers. When your ski or snowboard accident leads to mounting medical bills and lost work time, we investigate your case thoroughly to hold responsible parties accountable.
Our extensive experience with ski law and success in personal injury cases means we can effectively pursue the full compensation you deserve.
Why Choose Munley Law for Your Ski Accident Case?
Our attorneys at Munley Law have spent decades handling complex personal injury cases, including numerous ski and snowboard accidents. We understand how ski accident claims work, from investigating resort maintenance to proving equipment defects caused your injuries. […]
More information about Insurance
Susquehanna Twp., PA – Police Car Involved in Fatal Crash on Route 22
Susquehanna Township, PA (February 10, 2025) – A Susquehanna Township police car was involved in a fatal multi-vehicle accident on US Route 22 westbound near Harrisburg on February 8.
According to news reports, the crash occurred around 12:30 p.m. on US Route 22 between 39th and Park Streets in Susquehanna Township.The crash involved a Susquehanna Township police, a sedan, a pickup, and another vehicle. One person was killed in the collision.
It is unclear what caused the accident or if anyone else was injured.
Multi-Vehicle Accident in Pennsylvania
After a multi-vehicle accident in Dauphin County, victims can seek compensation to cover their medical bills, lost income, vehicle repairs, and pain and suffering. Pennsylvania’s modified comparative negligence system allows recovery of damages even when a victim bears partial responsibility, provided their fault doesn’t exceed 50%.
Multi-vehicle crashes often involve complex insurance claims due to multiple parties. […]
Read More
