Insurance

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.

More information about Insurance

Hazleton Workers’ Compensation FAQ

Questions for a Hazleton Workplace Injury Lawyer

hazleton workers comp lawyer warehouse distribution center Workplace injuries are an unfortunate risk and reality for employees across all sectors. A city like Hazelton in particular poses an immense risk of workplace injury, due to the prevalence of warehouse jobs such as those at Amazon, UPS, Frito-Lay, and more. In a warehouse, the risk of something like a forklift-related injury alone is enough to make anyone nervous.

If you or a loved one has sustained a workplace injury, we are deeply sorry for your trauma. The good news is that. But we’d also like to assure you that there is help to be found, and that you may eligible to receive workers’ compensation. We understand that you, like many others, may be overwhelmed by this complex system and unsure where to start. You may also be nervous about consequences that could come from entering a potential legal battle with your employer. […]

How Can I Prove My Pain and Suffering?

pain and suffering LAWYER The effects of an accident, whether it is a car wreck, slip and fall, medical error, or workplace accident, can have lasting effects on the victim. Debilitating physical injuries and emotional trauma can plague the victim for years to come.

Pain and suffering refers to physical discomfort and emotional toll the victim faces after an accident. These “non-economic damages” accompany the victim after an injury and can include physical pain, discomfort, mental anguish, inconveniences, and emotional distress.

Pain and suffering claims tend to be a bit more complicated than a regular injury claim. You will need a team of pain and suffering lawyers behind you in order to prove you are owed compensation for your trouble. This is where the personal injury lawyers at Munley Law Personal Injury Attorneys come in. They have a deep knowledge of Pennsylvania law and insurance policies and will fight for the proper amount of compensation for your pain and suffering following an accident. […]

Hazleton Warehouse Workers’ Compensation Lawyer

amazon workers warehouse work injury lawyer Getting hurt at work is always a possibility, but of course, it’s far more likely at some jobs than others. Unfortunately, warehouse workers are at a high risk of sustaining an injury on the job. With so much equipment and heavy machinery in use at a single location, the odds of an accident inevitably rise. And advances in technology are not necessarily making things safer; in fact, Amazon warehouses in particular boast higher injury rates than most other warehouses of their kind. In 2020, Amazon warehouses in Pennsylvania reported 7.2 serious incidents for every 200,000 hours worked (a length of time that equates to 100 employees working full time for a year). This is nearly double the rate of other companies in the same state.

With all the dangers present in a warehouse, it’s crucial that employees understand their rights to workers compensation. This is especially true for residents of Hazelton, […]

Does Workers’ Compensation Cover Pre-Existing Conditions?

In general, if you have a pre-existing condition, workers’ compensation will not cover those ailments. However, in some cases where a workplace injury aggravates a pre-existing condition, an employee may be able to receive workers’ compensation benefits. These claims can often be met with resistance.

If you’re wondering, “Does Workers’ Compensation Cover Pre-Existing Conditions?” we can help. Learn more about what you need to know about pre-existing conditions and workers’ compensation benefits.

Pre-Existing Conditions and Workplace Injuries

If you are injured in a workplace accident and have a pre-existing condition, you must make note of that condition at the time of your workers’ compensation claim. While the pre-existing condition will not give you more money in a pay out, it helps protect you from being denied compensation should the employer later find out. […]

Does Workers’ Compensation Affect Future Employment?

Workers’ Comp Should Not Impact Employment

According to the Bureau of Labor Statistics and the Insurance Information Institute, on average, there are 3.4 workers’ compensation claims filed for every 100 full-time employees. With workers’ compensation claims being rather common, one may wonder, does workers’ compensation affect future employment?

The answer is no, it should not. Because employees who are hurt on the job are legally permitted to collect workers’ comp, a future employer cannot hold it against you for the injury or the collection of benefits.

Regardless, employees want to know how workers’ comp laws protect them in their future employment. Here, our workers’ compensation lawyer explains what you can do to protect yourself now and in the future.