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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Ski Accident Lawyer
While most winter sports enthusiasts understand the inherent risk involved, no one plans to be the victim of a ski accident—especially one that leads to serious injury, loss of income, and long term recovery.
At Munley Law, our legal team has secured significant settlements for clients hurt by ski resort negligence, equipment failures, and reckless skiers. When your ski or snowboard accident leads to mounting medical bills and lost work time, we investigate your case thoroughly to hold responsible parties accountable.
Our extensive experience with ski law and success in personal injury cases means we can effectively pursue the full compensation you deserve.
Why Choose Munley Law for Your Ski Accident Case?
Our attorneys at Munley Law have spent decades handling complex personal injury cases, including numerous ski and snowboard accidents. We understand how ski accident claims work, from investigating resort maintenance to proving equipment defects caused your injuries. […]
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Susquehanna Twp., PA – Police Car Involved in Fatal Crash on Route 22
Susquehanna Township, PA (February 10, 2025) – A Susquehanna Township police car was involved in a fatal multi-vehicle accident on US Route 22 westbound near Harrisburg on February 8.
According to news reports, the crash occurred around 12:30 p.m. on US Route 22 between 39th and Park Streets in Susquehanna Township.The crash involved a Susquehanna Township police, a sedan, a pickup, and another vehicle. One person was killed in the collision.
It is unclear what caused the accident or if anyone else was injured.
Multi-Vehicle Accident in Pennsylvania
After a multi-vehicle accident in Dauphin County, victims can seek compensation to cover their medical bills, lost income, vehicle repairs, and pain and suffering. Pennsylvania’s modified comparative negligence system allows recovery of damages even when a victim bears partial responsibility, provided their fault doesn’t exceed 50%.
Multi-vehicle crashes often involve complex insurance claims due to multiple parties. […]
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Personal Injury Case Studies
From catastrophic trucking injuries to wrongful death claims, our personal injury attorneys have secured landmark victories across Pennsylvania.
But to us, these cases aren’t just numbers. Each represents a family we helped rebuild after tragedy. We’ve won for clients against giant trucking companies, major hospitals, and insurance giants because we work as a team and commit the resources needed to win the toughest cases.
Our approach has delivered over $1 billion in recoveries. When you need serious representation, you need accident attorneys with serious results. Contact Munley Law to schedule a free consultation.
$32.25 Million
Settlement for a deadly aviation accident.
$26 Million
Settlement for a truck accident.
$20 Million
Settlment for a reckless driving accident case.
$17.5 Million
Jury verdict in teens’ death caused by car accident.
$12 Million
For a bad faith insurance action. […]
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Valley Township, PA – Woman Dies Following Truck Accident on I-80
Montour County, PA (February 7, 2025) – A woman has died following a car accident in Montour County on February 6.
According to the Pennsylvania State Police, the driver was traveling on I-80 West in Valley Township just before 8 a.m. when she lost control of her pickup truck. She left the roadway, crossed the median, and entered the eastbound lanes before colliding with a tractor-trailer. She was ejected from the vehicle on impact and was pronounced dead on the scene. The truck driver was uninjured.
Police are investigating what caused her to leave the roadway.
Fatal Car Accidents In Montour County
Every year, Pennsylvania sees hundreds of lives lost to auto accidents. While recent data shows improvement – with around 1,130 fatalities marking one of the lowest rates since record-keeping began – each loss remains a tragedy that demands justice.
When fatal car accidents occur due to someone else’s negligence, […]
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Cumberland County, PA – One Sent to Hospital Following Multi-Vehicle Crash on Route 114
Cumberland County, PA (February 6, 2025) – One person was taken to the hospital following a multi-vehicle accident in Cumberland County on February 5.
According to news reports, the crash occurred on PA 114 westbound at the Honey Locust Drive and Old Willow Mill Road intersection. Witnesses say that EMS had treated victims at the scene of the accident. One person was seen taken out on a stretcher.
No word on what caused the accident or how many people were injured. Police are investigating.
Witnesses at the Scene of a Car Accident in Pennsylvania
Witnesses play an important role in personal injury cases following car accidents, serving as independent sources of information that can significantly impact the outcome of insurance claims and potential lawsuits. Their unbiased accounts can help establish fault, provide detailed descriptions of how the accident occurred, and corroborate the victim’s version of events when liability is disputed. […]
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