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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Lancaster Uber Accident Lawyer
The path forward isn’t always clear when you’re hurt in an Uber accident in Lancaster. As an injured passenger, you may be dealing with medical bills, missed work, and the stress of recovery – all while trying to figure out who’s responsible for your injuries. At Munley Law, we’ve helped many Uber accident victims understand their rights and get the compensation they deserve, whether your Uber driver, another vehicle, or unsafe road conditions caused the accident. If you’re recovering from an Uber-related injury, let us handle your case while you focus on healing.
Understanding Uber Accidents in Lancaster, PA
As rideshare services like Uber become increasingly popular, the frequency of Uber accidents has risen — raising significant safety concerns. According to Uber’s U.S. Safety Report, Uber-related motor vehicle fatalities peaked at 153 in the 2021-2022 reporting period. Fatalities aside, related data shows that rideshare vehicles are involved in numerous traffic collisions, […]
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Are Electric Scooters Legal In Pennsylvania?
Electric scooters, or e-scooters, have quickly become a popular mode of transportation on the roadways of many busy U.S. cities. They’re convenient, affordable, and an eco-friendly alternative to cars. Like e-bikes, companies like Lime and Bird provide low-speed e-scooter-sharing services in cities worldwide. But while electric scooters are legal in many other places, Pennsylvania has needed to catch up in getting on board.
Current Legal Status of Electric Scooters in Pennsylvania
Right now, Pennsylvania state law has strict rules regarding e-scooters. Pennsylvania has some hurdles, unlike some states, such as California, Texas, and Washington, where you can easily rent or own one and ride freely.
Pilot programs in some cities
Pilot programs in some citiesCertain cities in Pennsylvania have started pilot programs to evaluate the potential impact of electric scooters, even though they still need to be fully legalized statewide. In places like Pittsburgh, companies can offer electric scooter rentals under strict rules and local laws that help city governments understand how scooters affect safety, […]
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Reading Erb’s Palsy Lawyer
At Munley Law, we understand the challenges parents face when their child suffers from birth injuries like Erb’s palsy. Our experienced Reading, Erb’s palsy attorneys specialize in birth injury cases, and can help your family recover the financial compensation you deserve.
What Is Erb’s Palsy?
Erb’s palsy, also known as brachial plexus birth palsy, is a condition that occurs when the nerves in a baby’s upper arm are damaged during birth. This injury affects the brachial plexus—a network of nerves responsible for movement and sensation in the shoulder, arm, and hand. Babies with Erb’s palsy may have weakness, loss of movement, or even paralysis in the affected arm. While some infants recover over time with therapy, others may face lifelong limitations.
Is Erb’s Palsy the Same Thing as Brachial Plexus?
Erb’s palsy is a specific type of brachial plexus injury. […]
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Gas Explosion Lawyer
Gas explosions are devastating events that can change lives in an instant. Whether at a job site or at home, these explosions can lead to catastrophic damage and cause severe, even life-threatening injuries, fatalities, and destruction that affect surrounding buildings and families. For survivors, the road to recovery can be long and difficult, both physically and emotionally. If you or a loved one has been injured in a gas explosion, the path forward may feel uncertain. You don’t have to face it alone.
At Munley Law, our gas explosion lawyers understand the unique challenges of these cases. We are here to help victims and their families seek justice and secure the compensation they deserve. With decades of experience handling catastrophic injury cases, we have the expertise to hold the responsible parties accountable and guide you through every step of the legal process.
Understanding Gas Explosions
When gas ignites, […]
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What’s the Difference Between Permanent and Temporary Disability?
If you’ve been hurt at work and are now undergoing the workers’ compensation benefits forms, you’ll likely see words like temporary disability benefits and permanent disability benefits. Ultimately, your medical improvement will determine the types of workers’ compensation coverage you qualify for. However, these two categories can make a great deal of difference in your compensation for your work-related injury.
In general, your workers’ comp claim can get you financial compensation for medical bills, loss of wages, and future earnings loss in the case of long-term disability.
Before you begin the process, contact a workers’ comp attorney who can guide you to ensure you get the financial benefits you are legally entitled to.
Understanding the Difference Between Temporary and Permanent Disability in Workers’ Comp Cases
The main difference between temporary and permanent disability is when the injured cannot work. […]
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