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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Coronavirus FAQs
AT THIS TIME, WE ARE NOT ACCEPTING CASES INVOLVING COVID-19. THIS PAGE IS INTENDED TO EDUCATE YOU ON THE LEGAL ISSUES SURROUNDING THE PANDEMIC.
Frequently Asked Questions: Coronavirus, Employment Issues, and How to Stay Safe
As your trusted legal team, we have compiled the answers to some common questions about paid leave and workers’ rights during the covid-19 pandemic, as well as some general knowledge about how to protect yourself and your family. If you think you may have a coronavirus-related case, take a look at the questions below to find the answers you’re searching for.
Employment Questions
Q: Do Essential Workers Have to Come to Work?
A: Businesses and service providers considered “essential” should take steps to make their employees as safe as possible. Some employees, such as those over the age of 60 or with pre-existing medical conditions may be considered “protected” […]
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Risks to Truckers During Coronavirus Epidemic
Trucking can be a lonely job during the best of circumstances. Drivers spend extended amounts of time away from family and friends while they drive their rigs across long highways. But driving during a pandemic, with all individuals asked to maintain social distancing of 6 feet, creates a whole new level of isolation. Long haul drivers are spending nearly 24 hours a day in their trucks – cooking, sleeping, “relaxing” all done within the confines of their cab.
Truck drivers are keenly aware that if they contract COVID-19, they have the potential to spread it around over the vast geographic area that they travel. They are also aware that without their continuing to work, not only do they not have an income, but ever increasing demand for shipped goods, will not be delivered. As more and more states ask their residents to stay at home, […]
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How to get tested for COVID-19 in Philadelphia
The landscape of how and where to get tested is evolving, as more drive through test sites are opening up. But right now, here are your testing options:
Abington Hospital, Abington Township
Testing only with a referral from an Abington-Jefferson Health physician.
See more details here.
Penn Medicine, West Philadelphia and Radnor locations
Testing available to anyone experiencing coronavirus-like symptoms.
If you’re a Penn Medicine patient, you should contact your health-care provider for a referral.
If you are not a Penn Medicine patient, you should call their toll-free hotline at 833-983-1350.
See more details here
Temple University, Ambler campus in Upper Dublin Township
Tests by appointment only to people who meet one or more of the following criteria:
Symptoms of sudden illness such as fever, […]
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COVID-19 Resources and Legal Assistance
AT THIS TIME, WE ARE NOT ACCEPTING CASES INVOLVING COVID-19. THIS PAGE IS INTENDED TO EDUCATE YOU ON THE LEGAL ISSUES SURROUNDING THE PANDEMIC.
Coronavirus Updates, Resources, and Legal Issues
During this time of uncertainty, we at Munley Law Personal Injury Attorneys want you to know that we are here to support you. Just like many of you, we are following CDC guidelines and making sure that our clients, our staff, and our community remain safe and are aware of the legal issues surrounding the pandemic. We understand that many of you have questions about mask and vaccination guidelines, updates on legislation pertaining to COVID-19, and workers’ compensation. That is why we created this resource page to inform you of your legal rights during this time of unease.
Please note that at this time we are not accepting cases that involve COVID-19. But we care about our community and our clients and we want you to be well informed during this time of unease. […]
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Commercial Drivers, COVID-19, and Workers’ Comp
We rely on truck drivers and commercial delivery drivers for the food, medicine, household supplies, and other goods we use every day. Never has that been more clear than now, as the U.S. battles the coronavirus pandemic. From personal protective equipment to groceries and toilet paper, we have what we need to survive all thanks to these drivers.
Trucking has always been a tough job, and that’s especially true in times of crisis. Drivers may wonder: will the pandemic affect my eligibility for workers’ comp if I get hurt? What are my options if I get sick with COVID-19 while working?
If you’re hurt on the job (in a crash, at the delivery location, loading or unloading your truck…), you have the right to collect workers’ compensation benefits, even during a national emergency. If you worry about your claim being denied by your employer or their insurance company, […]
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