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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Philadelphia, PA – Woman Dies After Tree Falls on Car
PHILADELPHIA, PA (February 17, 2025) – A woman was killed after a tree fell on top of a car in Northeast Pennsylvania on February 16.
According to news reports, Philadelphia emergency personnel responded to the 500 block of West Hill Creek Road around 6:15 p.m. When they arrived, they found a woman inside a car that a large tree had crushed.
The woman was pronounced dead at the scene shortly after.
Investigators have not yet determined if the woman, the only person inside the vehicle, was the owner of the vehicle.
The accident occurred during a high wind warning that was in effect for Philadelphia.
Weather-Related Car Accidents in Philadelphia
High wind-related car accidents in Pennsylvania present unique challenges from a personal injury perspective. Strong winds, particularly on Pennsylvania’s highways and bridges, can create dangerous driving conditions that lead to serious accidents. […]
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Elk County, PA – Man Killed in Crane Accident
Elk County, PA (February 12, 2025) – A man was pronounced dead at the scene of a crane accident in Elk County on February 10.
According to news reports, the Elk County Coroner confirmed the death happened on Carlson Road in Jones Township around 6:10 p.m. During the retraction of an outrigger on a crane, the man suffered a head injury.
His death was ruled accidental by the coroner.
The investigation into the accident is ongoing.
Crane Accidents in Pennsylvania
Construction site accidents involving cranes can lead to devastating consequences. When such accidents occur, multiple parties may bear liability, including the crane operator, the construction company, equipment manufacturers, and site supervisors. Under Pennsylvania law, injured workers or their families can pursue various legal remedies, with cases often involving both workers’ compensation claims and potential third-party liability suits against entities other than the direct employer. […]
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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, […]
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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. […]
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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. […]
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