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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Is it Worth Getting an Allentown PA Workers Comp Attorney?
Workers Comp Attorneys Help You Recover
If you’re asking, “Is it worth getting an Allentown PA workers comp attorney? The answer is yes. When employees suffer work related injuries, they deserve workers compensation and it’s not always an easy process. The Pennsylvania Workers’ Compensation Act is meant to protect both the employee and the employer through a benefit program where employees are compensated for medical treatment and lost wages associated with workplace injuries and illnesses.
Employers provide the cost of the coverage and in return, are protected from direct lawsuits by their employees. Not all workers’ compensation (informally known as workers’ comp) cases are cut and dry. It is beneficial for an employee to seek legal advice before filing a workers’ comp claim.
The workers’ compensation attorneys at Munley Law Personal Injury Attorneys have a proven track record of securing fair compensation for their clients. […]
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How Much Does an Allentown PA Workers’ Compensation Attorney Cost?
How Much Does an Allentown PA Workers’ Compensation Attorney Cost?
Filing a workers’ compensation claim can be intimidating. There is a lot of paperwork and rules to follow. While trying to cope with a work injury or work related illness, you are also dealing with questions swirling in your head: what if your request is denied? How will you make ends meet while you’re out of work?
If you’re also asking yourself “How much does an Allentown PA Workers’ Compensation Attorney Cost?” there’s good news. The lawyers at Munley law do work on a contingency basis. That means you will not pay them unless a verdict or settlement is reached in your favor.
When you hire a Munley law workers’ compensation attorney, you will receive a team of expert lawyers who will guide you through the claims process and use creative legal tactics to secure the financial compensation you deserve. […]
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What a Philadelphia Truck Accident Lawyer Can Do For You
Truck Accident Cases Can Be Severe & Complex. We Can Help.
Standing fourteen feet tall, boasting an impressive seventy feet of length, and weighing in at an astounding 80,000 pounds, semi-trucks are truly a sight to behold. You can probably still remember being a young child and marveling at these metal monsters as they rumbled down the highway.
However, for the victim of a truck accident, these behemoth vehicles represent a lot more. If you or a loved one have been injured in an accident with a truck, it’s important you have an experienced truck accident lawyer by your side. At Munley Law Personal Injury Attorneys, our Philadelphia truck accident lawyers are the top truck accident lawyers in the country. We have decades of experience ensuring truck accident victims get the justice they deserve.
Truck accidents can be complicated cases – […]
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Scranton Aggressive Driving Accident Lawyer
Drivers are people, and people, for better or worse, are subject to emotion. Every person who has been behind the wheel has most likely experienced some form of frustration or road rage and has maybe even laid on the horn once or twice. But understandable annoyance can turn into truly dangerous aggression, and it’s more common than you may realize.
At Munley Law Personal Injury Attorneys, our experienced Scranton car accident lawyers are here to support all victims of aggressive driving car accidents, and hope the following information can be of use in a traumatic time. If you have been injured in a road rage accident, a Scranton aggressive driving accident lawyer at Munley Law Personal Injury Attorneys can help.
What Are the Dangers of Aggressive Driving?
A study conducted by AAA in 2019 showed that close to 80 percent of drivers reported expressing significant levels of frustration while behind the wheel in the previous 30 days. […]
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Scranton Intersection Car Accident Lawyer
Intersection Car Accidents in Scranton
Intersections are inherently one of the most dangerous points on the road. In fact, the US Department of Transportation Federal Highway Administration reports that more than half of the nation’s combined total of fatal and injury car accidents occurs at or near intersections. While there is a national effort to reduce this number, through projects such as increasing the number of roundabouts or continuous flow intersections, there’s no denying that an intersection is prime territory for a traffic accident.
Many intersection accidents are caused by a driver either disobeying a traffic light, such as running a red or trying to make it through the end of a yellow or failing to yield the right of way. In some cases, these behaviors can even be accidental, but that does not limit their danger.
If you or a loved one has been injured in an intersection car accident, […]
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