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

Does Workers’ Compensation Cover Seasonal Workers?

Businesses supplement their staff in peak seasons like summertime and winter holidays by hiring seasonal employees. As the workforce grows, coverage requirements evolve, including workers’ comp seasonal employees’ demands.

The Pennsylvania Minimum Wage Act doesn’t give a clear distinction between full-time, part-time, seasonal, and temporary employees. Some employers provide more benefits to full-time staff than other workers.

So, what happens if you are a short-term employee and you sustain a work-related injury or illness? This post explains how the Pennsylvania Workers’ Compensation Act protects seasonal workers.

Workers’ Compensation Coverage for Seasonal Employees

ask a workers' comp lawyer: doesworkers comp cover seasonal workers

Pennsylvania worker’s compensation covers nearly all workers, including part-time, temporary, and seasonal employees. Employers like corporations, nonprofits, unincorporated businesses, and even entities with just one employee must provide workers’ compensation coverage.

However, […]

Wayne, PA Personal Injury Lawyers

If you or your loved ones have been injured in Wayne, Pennsylvania, due to another person’s actions, you may be able to recover financial compensation for your injuries. This process is part of personal injury law. Munley Law Personal Injury Attorneys is a personal injury law firm that has been trusted by many Wayne residents to pursue their claims and get justice for their injuries.

Filing a personal injury claim or lawsuit against another person or entity can be complicated and time-consuming. When pursuing compensation, it is therefore vital to have an experienced personal injury lawyer by your side. At Munley Law Personal Injury Attorneys, our Pennsylvania personal injury attorneys know what insurance companies may try to do to get out of paying a claim. We will protect your rights and fight for what you deserve.

Munley Law Personal Injury Attorneys is a family firm, […]

Workers’ Compensation for Neck and Back Injuries

Workers’ Compensation for Neck and Back Injuries in Pennsylvania

Pennsylvania workers' compensation lawyers Injuries to your neck and spine can be serious, and if they happened during an accident at work, the workers’ comp lawyers at Munley Law Personal Injury Attorneys can help you get what you deserve.

According to the Pennsylvania Department of Labor and Industry, neck and back injuries made up 14% of workplace injuries in the state in 2019. That’s 24,057 incidents of neck or back injuries while on the job. Even more than the numbers, injuries to the neck and back can involve the spinal cord, making the consequences severe. Serious injuries can happen in a variety of workforces. However, statistics show the construction industry is particularly hard hit when it comes to neck and back injuries.

Workers’ comp cases can be difficult to navigate, particularly for serious occurrences that cause neck and back injuries. […]

Scranton Distracted Driving Accident Lawyer

Seeking Justice After a Scranton Distracted Driving Car Accident

Inspecting a car accident

All drivers have an obligation when they enter the road. They are obligated to drive safely, obey all traffic laws, and behave in a manner that does not put themselves or any other party in harm’s way. However, unfortunately, drivers do sometimes fail to meet obligations while behind the wheel, whether that be via drunk driving or simply distracted driving.

It’s important to remember that a distracted driver is a dangerous driver. If you have experienced the consequences of a distracted driver via an automobile accident, an experienced Scranton distracted driving accident lawyer at Munley Law Personal Injury Attorneys can help. We will review your car accident case and fight to ensure you receive the compensation you are owed. Contact us today for a free consultation. We do not collect a fee for our services unless we win your case. […]

What to Do After a Car Accident

After a car crash, you need to know what to do

The nation’s leading accident lawyers explain what steps you should take after a collision

There are 6 million roadside collisions in the United States every year. However, despite the fact that we hear about car and truck accidents every day, we never think it will be us. As a result, many drivers and pedestrians find themselves unprepared when they suffer a crash. How accident victims react in the seconds, minutes, hours, days, and weeks after their crash creates lasting effects. Doing the right thing or the wrong thing can majorly impact whether and how much you can recover for your injuries. As such, our experienced car and truck crash lawyers explain exactly what to do after a roadside collision.

If you’d like to discuss the specifics of how to handle your accident case, […]