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 Can I Do to Protect My Rights After a Car Accident?
In the midst of a car accident, it is totally normal to feel overwhelmed. Navigating the aftermath of a vehicle collision may involve extensive medical care, expenses for damages, litigation with other party, and interfacing with law enforcement. Though the circumstances are undoubtedly stressful, it is important to remain calm and try your best to think clearly. As a resident of Pennsylvania, you have certain rights following an accident. In this article, we’ll walk you through what your rights are and what you can do to protect them after a crash.
At Munley Law Personal Injury Attorneys, we recognize that car accidents can be traumatic experiences. We express our deepest condolences if you or a loved one were injured in a car crash. With over 60 years of experience, we are eager to put our expertise to work for you. Please reach out to us today for your free consultation. […]
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What is the Average Settlement for a Car Accident Case?
Understanding Car Accident Settlements
The average settlement for a car accident case depends on a variety of factors. From the total amount of property damage done, to the extent of the driver’s injuries, no two car accidents are the same, so no two settlements will be either.
Further, depending on the insurance you and the other driver carry, and your state’s laws on liability, the total compensation you can or will receive will vary.
The personal injury attorneys of Munley Law Personal Injury Attorneys explain how the average settlement for a car accident case is determined.
How Is The Average Settlement For a Car Accident Case Determined?
There are multiple factors that come into play when determining a car accident settlement. Below we will discuss the most critical factors to your personal injury case. […]
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Workers’ Compensation for Core-Mark Warehouse Injuries
Core-Mark Warehouse Workers’ Compensation
Warehouse employees are essential to the supply chains that keep our society running smoothly. The fast pace of warehouse work, as well as the technical equipment, makes warehouse work particularly susceptible to workplace injuries. If you or a loved one has been injured while working at Core-Mark International’s Wilkes-Barre warehouse, you are entitled to workers’ compensation while you recover.
What is Workers’ Compensation?
Workers’ compensation is a type of insurance that nearly all Pennsylvania employers are required to carry for their employees. When an employee is injured during the course of work, he or she is able to file a compensation claim with his or her employer and receive payments to cover medical bills and lost wages for the duration of the recovery.
Workers’ compensation also protects the employer from having a personal injury suit brought against him or her. […]
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Who Is Not Covered by Workers’ Compensation?
Injured on the Job? A Workers’ Compensation Lawyer Can Help You Understand Your Case
When a workplace accident occurs, many employees count on workers’ compensation claims to help cover their medical expenses and/or lost wages during recovery. Though it can require a bit of a battle, compensation is a right that many workers are entitled to.
However, some workers are not eligible to file workers’ compensation claims, which could leave them to cope with an injury alone. Determining whether you are eligible to claim workers’ compensation—particularly when an employer says you are not—can be challenging and it often boils down to whether you are an employee, directly supervised and directed by your employer, or whether you are an independent contractor, working on a particular project but given free reign on how the project or task is accomplished.
If you have been injured on the job, […]
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Workers’ Compensation for Fabri-Kal Warehouse Injuries
Understanding Workers’ Compensation for Fabri-Kal Warehouse Injuries
Over the last few years, warehouse injuries have become more common across the United States. Due to a combination of increased product demands, staffing shortages, and shipping delays requiring quick turnaround times for products to be prepared, more employees are getting hurt on the job.
When employees become injured at work, they need an advocate in their corner to help them through the workers’ compensation process. If you are employed by Fabri-Kal warehouses or have a similar occupation where you were injured on the job, the workers’ compensation lawyers at Munley Law Personal Injury Attorneys are here for you.
What Workplace Injuries Are Common At Warehouses Like Fabri-Kal?
In 2017, a man employed by the Mountain Top, Pennsylvania location of Fabri-Kal filed a personal injury lawsuit after an accident involving a tractor-trailer owned by the company caused injuries. […]
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