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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Wilkes-Barre Denied Medical Bills Lawyer
Denied Workers Comp in Wilkes-Barre? We Can Help.
A job site injury can lead to expensive medical treatment, lengthy physical therapy, costly rehabilitation, and time away from work without pay. Workplace injuries can be serious and result in workers’ compensation benefits. Nearly 150,000 workers were injured on the job in Pennsylvania in 2020. For those injuries, over $1 million was paid by the workers’ comp system. Unfortunately, sometimes a workers comp claim is wrongly denied each year by workers’ comp insurance companies.
When you suffer a work injury on the job, a Wilkes-Barre workers’ compensation attorney can help you receive money to pay for your denied medical bills. If you or a loved one need a work injury lawyer to help you get money to cover your denied work injury, call Munley LawWe will answer your questions and discuss your options. […]
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Hazleton Uber Accident Lawyer
If You Were Hurt in an Uber Accident, Contact a Hazleton Car Accident Attorney Today for Free Consultations
Uber provides a reliable service for anyone needing a ride in thriving cities likes Hazleton, Pennsylvania, and throughout Luzerne County. It is convenient. It helps you avoid the cost of owning and maintaining your own car. And it is smart to use a ride-sharing service like Uber, especially if you have been out on the town and want to avoid driving after having a few drinks.
While Uber can be convenient and safe, there are risks when we take a ride with Uber. A recent study conducted by the University of Chicago and Rice University, shows that car accident deaths have increased significantly with the increase in use of the Uber app.
The study suggests that the increase may be caused by Uber drivers operating their vehicles when they are distracted or tired. […]
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Munley Law Personal Injury Attorneys Announces $4 Million Settlement with Shipping Company Responsible for Selecting an Incompetent Carrier
Munley Law Personal Injury Attorneys won a $4 million settlement for a client from a shipping company that selected an incompetent trucking company to transport its goods.
Munley Law Personal Injury Attorneys represented a couple that was severely injured in a multi-vehicle accident caused by one of the trucking company’s tractor trailers. According to the complaint, the accident occurred in a construction zone when a tractor trailer was unable to stop because its brakes were not properly adjusted. The truck rear ended the couple, causing a multiple vehicle collision. The accident left the couple with life-altering injuries, including paraplegia and severe back injuries.
According to the complaint, the truck carried the mandatory minimum insurance of $750,000.
“This settlement will go a long way to help our clients recover from such a horrific accident,” said Marion Munley, lead counsel on the case. […]
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Workers’ Compensation Back Injury Claim
If you’ve suffered a back injury at work, hire an experienced workers’ comp attorney
A work-related back injury can have long-lasting affects, ranging from a few missed shifts to short-term or permanent disability. Pushing yourself to keep working despite a back injury can lead to a prolonged recovery process or permanent damage.
At Munley Law Personal Injury Attorneys, our Pennsylvania workers’ compensation lawyers can help you navigate the process of filing or appealing your claim so that you receive the compensation you need to recover from your back injury. Where full recovery isn’t possible, we will fight to recover the compensation you deserve to account for your new reality.
Common Workers’ Compensation Back Injury Claims
Filing a workers’ compensation claim for a back injury isn’t limited by your field or profession—anyone can sustain a back injury at work, […]
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Occupational Illness & Injury in Pennsylvania
In Pennsylvania, about 122,000 workers suffered occupational illnesses or injuries in 2019. Each year, more than 100,000 Pennsylvania employees experience an occupational injury on the job or in accidents related to their work. Unfortunately, 71 workers were killed on the job in Pennsylvania.
All of these workers are covered by the Pennsylvania Workers’ Compensation Act. Under this workers’ comp law, all work injuries and illnesses resulting in death, permanent impairment, or loss of time beyond a day or shift are covered. This means that any employee who suffers a work-related illness or injury may be eligible to receive compensation for his losses, including money to pay for lost wages, medical expenses, or disability. In addition, family members of workers who suffer a fatal injury and die may receive compensation to help them get back on their feet after the death of their loved ones.
If you or a loved one suffered a workplace injury, […]
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