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

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, […]

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, […]

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, […]

What happens if I’m injured at an Airbnb?

Airbnb stays becoming more common throughout Pennsylvania

Airbnb has grown rapidly over the last several years, including in Northeastern Pennsylvania; the Poconos have become an Airbnb hot spot. Monroe County was Airbnb’s third-most profitable county in Pennsylvania in 2019 behind Philadelphia and Allegheny (Pittsburgh). Hosts in Monroe County made nearly $19 million that year renting their homes to visitors and tourists. In addition, Airbnb listings are available from Scranton to Philadelphia, and all over the state.

As Airbnb becomes an increasingly popular way to book accommodations, guests should be aware of their rights in case something goes wrong.

While Airbnb’s website advertises a careful vetting process for hosts and provides home safety recommendations, the company cannot guarantee that the homes listed on their platform are free from hazards. Common injuries you may sustain at someone else’s home include:

Slip and falls resulting in concussion, […]

Bloomsburg Car Accident Lawyer

Have you been injured in a car accident in Bloomsburg? Contact a car accident lawyer at Munley Law Personal Injury Attorneys today for a FREE consultation.

When you or your loved one have been injured in a car accident in the Bloomsburg area, your choice of legal representation matters. The car accident attorneys at Munley Law Personal Injury Attorneys have a long history of winning cases. Our lawyers have earned national recognition for their success, and have been named among the Best Lawyers in America (via Best Lawyers), Pennsylvania Super Lawyers, and the nation’s Best Law Firms (U.S. News and World Report).

For more than 60 years, the car accident attorneys at Munley Law Personal Injury Attorneys have been handling auto accident claims for injured victims and their families in Columbia County and beyond. We know fighting the insurance company on your own is an uphill battle. […]