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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Helicopter Crash Lawyer
Helicopter accidents often result in severe injuries and long-term physical, emotional, and financial challenges. An experienced attorney can help you understand your legal options if you’ve been involved in a helicopter crash.
Several factors can contribute to these accidents, including mechanical failures, maintenance issues, or operational errors. At Munley Law, our helicopter accident lawyers have the expertise to thoroughly investigate the cause and help determine if you’re entitled to compensation.
Our aviation accident attorneys understand the complexities of aviation law and regulations. We’ll guide you through each step of your case, from investigation to resolution. Contact us for a free consultation to discuss how we can assist with your helicopter accident claim.
Investigating Helicopter Crashes and Determining Liability
After a helicopter crash, local law enforcement and emergency services may be the first on the scene. Although these parties are unlikely to handle the entire investigation, […]
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Building Collapse Lawyer
When a building collapse occurs, the consequences are devastating – often resulting in catastrophic injuries, loss of life, and
overwhelming financial burdens for victims and their families. At Munley Law, we understand the profound and life-altering impact of these accidents on your health, finances, and future. Our building collapse lawyers thoroughly investigate the cause of the collapse and identify all potentially liable parties, from property owners to contractors, engineers, and construction companies.
Working with structural engineering experts, we determine negligence and safety violations while gathering critical evidence, such as accident reports and witness accounts. Munley Law vigorously advocates to secure just payment for victims’ medical bills, lost income, emotional distress, and long-term care needs. With extensive experience handling catastrophic injury cases, we provide personalized, compassionate support throughout the legal process.
Our Approach to Building Collapse Cases
At Munley Law, […]
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Emotional Distress Damages in a Personal Injury Case Explained
In Pennsylvania, when you’re injured in an accident, you may have the right to file a personal injury claim or lawsuit seeking compensation for medical bills, lost wages, and other such damages.
It’s also important to account for your emotional distress when filing a claim or lawsuit. Emotional distress damages can compensate you for the psychological toll of a traumatic event.
At Munley Law, serving the area since 1959, we’ll fight for emotional distress compensation when it’s available. Contact our Pennsylvania personal injury lawyers today to learn more about your case.
What Qualifies as Emotional Distress in Pennsylvania Law?
Emotional distress can take many forms in a personal injury case. There is no strict legal definition for emotional distress in Pennsylvania, as what qualifies as emotional distress can vary on a case-by-case basis. Generally, emotional distress consists of the mental trauma or psychological symptoms someone might experience in the aftermath of an accident. […]
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What Do You Need to Get a PA Motorcycle License?
You must add a Class M endorsement to your driver’s license to legally operate a motorcycle in Pennsylvania. Luckily, the process of getting licensed is relatively straightforward.
Just make sure you follow the steps properly! If you operate a motorcycle without a license in Pennsylvania and you’re involved in a wreck, it could complicate how you pursue compensation. Regardless, if you are hurt in an accident someone else caused, contact our motorcycle accident lawyers at Munley Law to learn more about your legal rights.
Step-by-Step Guide to Getting Your PA Motorcycle License
Obtaining a motorcycle license in Pennsylvania involves these steps:
Age Requirements
You must be at least 16 years old to get a Pennsylvania Class M motorcycle license. If you’re under 18, you must:
- Hold a motorcycle learner’s permit for at least 6 months
- Complete 65 hours of supervised practice riding
Required Documentation
- Proof of identity, […]
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The Use of Medical Experts in Personal Injury Cases
Many forms of evidence and documentation can help you show you deserve compensation when filing a personal injury claim or lawsuit. Often, victims can strengthen their cases by coordinating with medical experts to provide testimony.
The specific way a medical professional can help with your case will depend on factors ranging from the severity of your injuries to whether you settle out-of-court or go to trial. Contact Munley Law today to learn more about how our network of medical experts can help when fighting for compensation in your personal injury case.
Why Medical Expert Testimony Is Critical to Your Case
The involvement of medical experts often determines whether a victim receives the full compensation they deserve for their injuries.
Depending on the circumstances, medical experts play many potential roles in personal injury cases. For instance, a medical expert may help build a personal injury case by testifying to the cause of a victim’s injuries. […]
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