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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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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Lycoming County, PA – One Dead, Another Injured After Car Accident on Route 220
LYCOMING COUNTY, PA (February 20, 2025) – One person is dead and another is injured following a car accident on Route 220 in Jersey Shore on Feburary 17.
According to news reports, emergency personnel responded to a three-vehicle crash on Route 220 west of the Thomas Street exit shortly before 8 p.m. Officials say that the driver of a Subaru Forester was driving north on Route 220 when he was struck nearly head-on by a Mercedes-Benz, causing entrapment. The Mercedes then struck a truck towing a trailer and then rolled onto its roof before bursting into flames.
The driver of the Mercedes was able to pull themselves from the vehicle then fled the scene on foot where they were later reportedly struck by other vehicles in the southbound lane before the police found them. The driver was taken to the Trauma Center at UPMC for treatment. […]
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Philadelphia Workers’ Compensation Lawyer
When you need a Philadelphia workers’ compensation lawyer who fights relentlessly for injured workers, turn to Munley Law. Our experienced workers comp attorney understands how a workplace accident can devastate your life – leaving you with mounting medical bills while you’re unable to earn a paycheck. We’ve seen insurers deny valid claims, and employers try to force injured workers back too soon.
Our board-certified workers’ compensation attorney will ensure you receive your benefits while protecting your rights from the insurer. Employers often don’t understand the law surrounding workers’ compensation and will try to force you back to work as soon as possible before the doctor clears you. We will make sure that doesn’t happen.
How Our Philadelphia Workers’ Compensation Attorneys Advocate for Injured Workers
Pennsylvania law protects injured workers, but insurers often deny valid claims or pressure staff to return to work before they’re ready. […]
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Lebanon County, PA – Coroner Responds to Rollover Car Accident in Millcreek Twp.
LEBANON COUNTY, PA (February 18, 2025) – A pickup truck flipped over in Millcreek Township on February 18.
According to the Pennsylvania State Police, a pickup truck flipped onto its roof in the 600 block of Stricklerstown Road near Hackman Road around 5:15 a.m. The coroner was called to the scene.
Stricklerstown Road was closed between Hackman Road and Heidelberg Avenue/Route 897 as the state police investigated the accident.
Rollover Car Accidents in Lebanon County
Rollover accidents represent some of the most dangerous and potentially devastating types of motor vehicle crashes that occur on Lebanon County’s roadways. These accidents, which often happen on major routes like I-78, Route 422, and Route 322, can result in catastrophic injuries due to the violent nature of a vehicle flipping over and the subsequent roof crush that may occur.
In Lebanon County, several factors commonly contribute to rollover accidents. […]
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