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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Stroudsburg Dog Bite Attorney
If you were bitten by a dog in Stroudsburg, you need an experienced dog bite lawyer at Munley Law Personal Injury Attorneys
Dog bites are no laughing matter. They are serious and may lead to devastating and permanent injuries, especially when the victim is a child. Results of a dog bite may include surgeries and other medical expenses, permanent scarring, infections, rabies, missed time from work, and emotional distress. All of these can be costly. You shouldn’t be stuck with the burden of someone else’s negligence.
Most homeowners insurance policies cover dog bites, but making a claim and recovering damages can be complicated. You need an attorney experienced with Pennsylvania state laws. Munely Law, founded and located in northeast Pennsylvania fits that bill. For over 55 years we have represented our neighbors in personal injury cases. […]
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Dog Bite Lawyer in Wilkes-Barre
Get compensation for your dog bite injuries
Talk with a leading dog bite lawyer in Wilkes-Barre for FREE today
Whether you were going for a walk in your neighborhood or enjoying the day at Hollenback Park, if you suffered injuries in a dog attack, you may be able to recover injury compensation from the owner of the dog. Dog owners have a duty to control their pets, and they may be held responsible for harm caused by their animals, including dog bites.
At Munley Law Personal Injury Attorneys, our team offers free case evaluations, and will not charge you anything unless we recover compensation on your behalf. We will review the facts of your Wilkes-Barre dog bite, and determine if you are eligible to hold the owner legally responsible for your injuries, emotional scarring, and financial losses. Call us today at [phone-number] to talk to a dog bite lawyer in Wilkes-Barre. […]
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Hazleton Pedestrian Accident Lawyer
You were walking or jogging in Hazleton and, in an instant, everything changed. Something happened and all of a sudden you were on the ground in pain, wondering how you would be able to provide for your family.
You were injured in a pedestrian accident that wasn’t your fault.
Now it is up to you to try to put the pieces back together.
Pedestrian accidents are an all-too-common occurrence. From driver negligence to poor crosswalk engineering, there are numerous factors that can create circumstances in which pedestrians are helpless to avoid being injured. While pedestrian accidents can – and generally should – be avoided with safe driving, they continue to occur on a routine basis. Those who are at fault deserve to be held legally and financially accountable.
At Munley Law Personal Injury Attorneys, […]
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Hazleton Catastrophic Injury Lawyer
If you or a loved one experienced a catastrophic injury as the result of a traumatic accident, it is critical that you get the right legal representation. Our attorneys have decades of experience representing accident victims in Hazleton and throughout Pennsylvania.
A catastrophic injury can impact your life in more ways than most people can comprehend. From chronic pain and limited mobility to physical disabilities and emotional trauma that interfere with your ability to work and enjoy life, suffering a catastrophic injury can truly mean that life will never be the same.
If you or a close family member has been diagnosed with a catastrophic injury as a result of an accident in which another person or company was to blame, you deserve compensation for your injury-related losses. While no amount of money can truly restore what you have lost, asserting your legal rights can be critical to your recovery and your family’s long-term financial stability. […]
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Hazleton Bicycle Accident Lawyer
If you were hurt in a bicycle accident in Hazleton, our attorneys can help you collect just compensation. Call today to speak with an experienced personal injury lawyer for free.
Whether you ride for fun, exercise, or transportation, as a cyclist in Hazleton, you are at risk for being injured by a negligent driver. Bicycle accidents are alarmingly common. In most cases, it is a careless or distracted driver who is to blame. If you were run off the road or injured in a collision involving a motor vehicle, you deserve just compensation. With decades of experience and millions of dollars recovered, our attorneys can help maximize your financial recovery for your medical expenses, loss of income, pain and suffering, and other losses.
At Munley Law Personal Injury Attorneys, we have been representing accident victims in Hazleton since 1959. […]
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