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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Workers Compensation Lawyer for Greiner Packaging Warehouse Injuries
Are you or a loved one employed by a Greiner Packaging warehouse and have recently suffered injuries while on the job? At Munley Law Personal Injury Attorneys, our workers’ compensation lawyers help protect those who have suffered from Greiner Packaging warehouse injuries to move forward with recovery.
About Greiner Packaging
For more than 60 years, Greiner Packaging has served the public as a plastic fabrication company with over 30 locations in 19 countries around the world. Employing more than 11,500 employees, Greiner Packaging warehouses produce a wide range of products from yogurt containers to detergents and everything in between.
How Injured Greiner Packaging Warehouse Employees Can Seek Workers’ Comp
According to the Centers for Disease Control and Prevention, workers’ compensation was created to provide partial medical and income protection to employees who became ill or injured in their line of work. […]
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What Should I Do If I Am Involved in Lyft Car Accident? or Hit by an Uber Driver?
If your car is hit by an Uber driver or you are involved n a Lyft car accident, you may be able to collect damages, especially if you were injured. In general, it will largely depend if the driver was “on the clock” when they hit you, or if they were driving as an individual. This will determine who is responsible for your losses.
If you were involved in an accident with a Uber, Lyft or another rideshare driver, the car accident attorneys at Munley Law Personal Injury Attorneys can help you through the legal process.
What You Need to Know About Uber or Lyft Car Accidents
Who you can take legal action against following a car accident involving a rideshare driver will depend if the rideshare driver was logged into the app and working, or already off the clock.
This will determine if you can collect against:
- Your Personal Injury Protection (PIP) insurance policy
- The rideshare company’s insurance
- The rideshare driver’s liability insurance
Insurance Coverage for Lyft Drivers
If get hit by an Uber driver or you are involved n a Lyft car accident while they are logged into the rideshare app and working, […]
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Workers’ Compensation for Construction Workers in Pittsburgh
While many sectors like food, entertainment, and hospitality faced serious downturns during the pandemic, the construction industry was able to survive unscathed. With lockdowns increasing the time we all spent at home, the demand for new buildings increased. In fact, the Philadelphia Inquirer notes that more homes were built in Pennsylvania in 2021 than in any year since 2006.
In addition to increased demand for housing, the pandemic also created an increased apetite for home renovations– an added revenue stream for the already booming construction industry. Home renovation platform, Houzz, notes that home renovations in 2020 hit record numbers. According to its year-end study, home renovations were up by at least 15% in 2020, with homeowners spending a median amount of $15,000 on their home renovation projects (Houzz & Home 2021 Study).
As such, the construction industry did not just survive, […]
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Healthcare Workers’ Compensation Lawyer in Pittsburgh
Workers’ compensation exists because, unfortunately, workplace injuries and illnesses are simply a reality across all professions. However, there are some jobs and industries that have far higher rates of accidents and injuries. The U.S. Bureau of Labor Statistics lists health services as one of the ten industries with the highest rates of fatal workplace injuries. Additionally, OSHA reports that in 2019, hospitals recorded 221,400 work-related injuries and illnesses. That is a rate of 5.5 work-related injuries and illnesses for every 100 full-time employees, far higher than the right for most private sector jobs.
If you or a loved one is a healthcare worker and has experienced a workplace injury or illness, we are so sorry. We can’t undo your experience, but we can stand beside you as you fight to seek your rightful compensation. In many cases, a workers’ compensation claim is the best way to make sure your medical bills are paid and your lost wages accounted for after a workplace injury. […]
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Third Party Claims & Workers’ Compensation Lawyer in Pittsburgh
Getting up and getting yourself to work every day can sometimes feel like a challenge even in the best of circumstances. But when you’re injured or become sick due to an incident at your workplace, that challenge can become entirely overwhelming. Unfortunately, many Americans are injured in the workplace every year. Some industries pose a greater threat to employees’ health and safety than others.
According to the Insurance Information Institute, the top private industry occupations with workplace injuries and illnesses include nursing assistants, registered nurses, truck drivers, stockers, and repair workers. That being said, anyone performing any professional role is capable of experiencing a workplace injury.
Workplace injuries and illnesses can have long-lasting damages. Whether it’s the physical effects, the financial burden, or the mental and emotional toll, it can be a lot. But if you are hurt or become sick in your workplace, […]
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