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

When Should a Philadelphia Personal Injury Lawyer Be Used?

A Philadelphia personal injury lawyer can make a critical difference when you’ve been hurt because someone else failed to act responsibly. Whether it’s a car crash on I-76, a fall on unsafe property, or a mistake in a medical setting, these situations can quickly disrupt your health, finances, and sense of stability.

Knowing when to bring in legal help isn’t always obvious, but acting early can protect your rights and strengthen your claim from the start. If you’re unsure whether your situation qualifies, you’re not alone. Many people wait too long and miss out on the full compensation they may deserve.

At Munley Law, the focus is on taking that pressure off your shoulders so you can concentrate on recovery. With almost seven decades of experience handling serious personal injury cases in Philadelphia, we understand what it takes to build strong claims and push back against lowball offers. […]

Are Slip and Fall Cases Hard to Win in Philadelphia?

While some slip and fall cases can be hard to win in Philadelphia, with the right legal strategy and evidence, many claims succeed. At Munley Law Personal Injury Attorneys, we’ve spent nearly seven decades helping injury victims recover compensation and holding negligent property owners accountable.

Slip and fall cases often come down to proving negligence, which can be complex without experienced legal guidance. Munley Law has earned national recognition, including Best Lawyers in America honors, Super Lawyers listings, and membership in the Multi-Million Dollar Advocates Forum. With a proven record of settlements and verdicts, we understand what it takes to build winning cases.

Munley Law’s Philadelphia slip and fall attorneys guide clients through every step of their slip and fall claims, from investigation to negotiation or trial, ensuring no detail is overlooked, and every opportunity for recovery is pursued. Contact us for a free consultation today. […]

Philadelphia SEPTA Accident Lawyer

At Munley Law, our SEPTA accident attorneys in Philadelphia know what it takes to pursue a mass transit accident claim. If you have been involved in an accident on public transportation in Philadelphia, you need a personal injury lawyer with experience in public transit and SEPTA claims on your side. SEPTA accident claims are complex to navigate, and an attorney can best negotiate with SEPTA’s legal claims department to get you the compensation you deserve.

The Southeastern Pennsylvania Transportation Authority (SEPTA) oversees many important aspects of Philadelphia’s public transportation system. From trolleys to regional rail systems, SEPTA handles the administrative details of these public services, including personal injury claims arising from accidents. Our attorneys have an extensive understanding of the laws, policies, and statutes that apply to SEPTA accident cases and claims, and can support you through every step of the process to secure your rightful damages. […]

Who Is At Fault in Most Philadelphia Motorcycle Accidents?

If you’re a motorcyclist who was involved in a crash with disputed liability, you might wonder who is at fault for most Philadelphia motorcycle accidents. In many cases, liability falls on negligent drivers, but determining fault requires careful legal and factual analysis. At Munley Law, our personal injury attorneys have spent nearly 70 years helping injured riders uncover the truth and pursue full compensation.

Motorcycle accidents often involve complex liability questions, especially when multiple parties share responsibility. Understanding how fault is determined can directly impact your financial recovery.

Our nationally recognized trial lawyers, including members of the Multi-Million Dollar Advocates Forum and attorneys listed in Best Lawyers in America, combine deep legal experience with proven results in high-stakes injury claims. Since 1959, we’ve recovered over $1 billion for injured victims in Philadelphia and nationwide.

We investigate every detail, from driver negligence to roadway hazards, […]

What Happens If My Uber is In an Accident In Philadelphia?

Rideshare accidents are growing in popularity across the United States, but what happens if your Uber is in an accident in Philadelphia? You may face injuries, confusing insurance coverage, and questions about who is responsible. We help you understand your rights and take the next steps with confidence.

At Munley Law, we’ve secured millions for clients in complex motor vehicle and rideshare cases, and we know how Uber’s insurance policies work in real-world claims. Our attorneys guide you through every stage – from medical care to settlement negotiations – so nothing is overlooked.

When an Uber accident disrupts your life, having the right legal team matters. We’re here to protect your rights and pursue the compensation you deserve. Contact our Philadelphia Uber accident lawyers for a free consultation today.

What Should You Do Immediately After an Uber Accident?

Accidents are unexpected and can be disorienting, […]

Uber Insurance Claims: How Do They Work in Philadelphia?

How Uber insurance claims work in Philadelphia often depends on complex coverage tiers, driver status, and liability rules that can quickly overwhelm injury victims. At Munley Law, we help clients understand these elements and pursue the full compensation they deserve after a rideshare accident.

Uber accident claims involve layered insurance policies that change depending on whether a driver is waiting, en route, or transporting a passenger. That complexity can directly impact how – and whether – you are compensated.

We bring nearly seven decades of experience handling serious personal injury claims, including rideshare litigation. Our attorneys have secured multi-million-dollar recoveries and earned national recognition for trial advocacy and client results. Our Philadelphia Uber accident attorneys guide clients through every step of the claims process, from identifying coverage to proving liability and damages, so they can focus on recovery while we handle the legal burden. […]

What Happens If My Lyft is in an Accident in Philadelphia?

If your Lyft is involved in an accident in Philadelphia, you should have your injuries assessed as soon as possible, contact emergency services if required, exchange information with the other parties involved, notify Lyft, and contact a Philadelphia Lyft accident attorney for specialized legal support.

Understanding the process for protecting yourself and receiving assistance following a rideshare accident in Philadelphia is vital. If you have been injured in an accident, it’s essential to speak with an experienced attorney who can identify the liable parties and seek compensation on your behalf. Our board-certified lawyers can assist you with every step of the process following your Lyft accident in Philadelphia, from building your claim to speaking with insurance companies, negotiating your settlement, and representing your case in trial if necessary.

Contact our Lyft accident lawyers at Munley Law today for expert guidance after your Lyft crash. […]

Philadelphia Slip and Fall Accident Lawyer

If you were seriously injured in a slip and fall accident, the Philadelphia slip and fall accident lawyers at Munley Law Personal Injury Attorneys are here to help.

Slip-and-fall accidents occur when someone falls due to a dangerous condition that the property owner should have fixed. These accidents can cause serious injuries that may require medical care, costly physical therapy treatments, and time off work. From strains and sprains, bruises, and bone fractures to head and neck injuries and even traumatic brain injuries and disability, these common accidents can have devastating consequences that may persist for years after the fact. Our attorneys are board-certified in Civil Trial Law by the National Board of Trial Advocacy and have been named some of the most accomplished trial lawyers in the state, and are ready to fight for compensation on your behalf.

Contact the Philadelphia personal injury lawyers at Munley Law today for a free, […]

Can Lyft Be Held At Fault For an Accident in Philadelphia?

Lyft may be held at fault for an accident in Philadelphia if it can be proven that the driver’s negligence or Lyft’s operational policies played a part in the collision. Determining liability in car accidents can be complicated, and each case is unique.

In the case of Lyft accidents in Philadelphia, Lyft itself can also make crashes more likely through improper hiring practices, inadequate driver instruction and training, and inconsistent supervision of its drivers, among other key factors. These accidents can have devastating consequences for victims, who may face painful injuries, mounting medical expenses, costly property damage, and loss of enjoyment of life for weeks, months, or even years after the fact.

Seeking legal advice from a qualified Philadelphia Lyft accident attorney to understand your rights and options is advisable. At Munley Law, our experienced attorneys can help to determine liability in your Lyft accident case and hold the responsible parties – including Lyft – […]

The Chances of Getting Into a Motorcycle Crash in Philadelphia

The chances of getting into a motorcycle accident in Philadelphia are higher than many riders expect, especially on the city’s congested urban roads and high-speed corridors known as the High Injury Network (HIN). Motorcyclists face unique risks due to limited visibility, traffic density, and driver negligence.

Philadelphia consistently ranks among Pennsylvania’s most dangerous areas for traffic incidents, with motorcycle riders disproportionately affected in serious and fatal crashes. Understanding these risks can help riders make safer decisions.

At Munley Law, we bring nearly seven decades of experience representing injured riders across Pennsylvania. Our nationally recognized personal injury attorneys have secured landmark settlements and are trial advocates known for results. We combine deep legal knowledge with real-world case success to help injured motorcyclists pursue full compensation and accountability after serious crashes.

If you or someone you love has been injured in a motorcycle accident, contact our Philadelphia motorcycle crash attorneys for a free consultation today. […]

Philadelphia Pedestrian Accident Lawyer

truck accident lawyer marion munley and truck accident attorney dan munley

Even the most careful pedestrians can encounter a careless or reckless driver, and our Philadelphia pedestrian accident lawyers are here to explain your rights and help you move forward with a claim. A routine walk through an intersection can quickly become an emergency response, hospital treatment, and time away from work. After a crash, injured pedestrians often face medical bills, lost income, and contact from insurance companies before they fully understand the extent of their injuries.

Munley Law has represented injured people in Pennsylvania since 1959 and has recovered compensation in serious injury cases involving motor vehicle collisions. Our attorneys prepare each case for trial and pursue accountability when a driver’s negligence causes harm.

Several attorneys at Munley Law are board certified by the National Board of Trial Advocacy (NBTA), a credential earned by a limited number of trial lawyers nationwide. Our attorneys hold NBTA certifications in civil trial law, […]

How to Deal with Insurance Claims Involving Lyft in Philadelphia

Handling insurance claims involving Lyft accidents in Philadelphia requires clear steps and attention to detail. Initially, there may be a sense of uncertainty and frustration, as car accident victims may feel unsure about the process and which steps to take, not knowing where to begin or how to navigate the process effectively, which is why it’s important to speak with a Philadelphia Lyft accident lawyer to learn what your next steps are.

Whether you were a Lyft passenger, driver, pedestrian, or third-party vehicle involved in the Lyft accident, gathering all relevant information, including accident details and medical records, is important. And if things get complicated, talking to a Lyft car accident lawyer at Munley Law who knows about rideshare accidents can help. Our award-winning attorneys can guide you through the process and fight for fair compensation. Contact us for a free consultation today.

Should I Report the Accident to Lyft? […]

Philadelphia Taxi Accident Lawyer

Getting into an accident in a cab can be a traumatic experience, as you have no control over the vehicle or the driver, and you could sustain serious injuries, which is why you need a Philadelphia taxi accident lawyer on your side.

At Munley Law, our taxicab accident lawyers have been helping taxi accident victims for almost 70 years. We’re passionate about ensuring our clients get the compensation they need to recover and move on with their lives, and as a result, we’ve secured many multi-million-dollar verdicts and settlements. Results like that make it easy to see why our firm and our lawyers are routinely honored by legal institutions and thought leaders in Pennsylvania, the US, and further afield.

All our lawyers are members of the Pennsylvania Bar Association and the American Association for Justice, and four of our attorneys are board-certified by the National Board of Trial Advocacy. […]

What Are My Rights As a Pedestrian in Philadelphia?

If a driver hit you while you were walking in Philadelphia, you have specific legal rights and a deadline to act on them. After a pedestrian crash, injured victims are often left dealing with medical treatment, lost income, insurance adjusters, and questions about how they will recover financially. Understanding your rights as a pedestrian in Philadelphia and how pedestrian accident claims work is an important step toward protecting your right to compensation.

What exactly are these rights, and how do they translate into everyday life in Philadelphia? What measures are in place to protect pedestrians, and what can you do if those measures fail?

Munley Law Philadelphia pedestrian accident lawyers have represented injured pedestrians and other accident victims in Pennsylvania since 1959. Five attorneys at the firm are board certified by the National Board of Trial Advocacy (NBTA), a credential earned through verified trial experience, […]

Why Was My Philadelphia Car Accident Claim Denied?

Munley Law understands the frustration and confusion clients experience when they’re left asking why their Philadelphia car accident claims were denied. For many, the denial of a claim adds insult to injury, as navigating the aftermath of a crash can be daunting enough.

Car accident insurance claims are an important part of the recovery process, providing financial support for medical expenses, vehicle repairs, and other related costs. However, these claims are not always straightforward and may be denied for various reasons. Understanding these reasons is the first step towards successfully navigating the claims process.

In the City of Brotherly Love, where traffic can be heavy and accidents frequent, having your claim denied can feel like a second blow. However, a denial is not the end of the road. With the right auto accident attorney, it’s possible to challenge the decision and hopefully secure more compensation. […]

Philadelphia Texting While Driving Accident Lawyer

A Philadelphia texting while driving accident lawyer at Munley Law can help you receive the justice and compensation you deserve if you’re injured due to a driver distracted by their phone. With more than 250 years of combined legal experience, protecting the rights of Pennsylvania’s injured is what we do best.

Over almost seven decades, we’ve obtained multi-million-dollar settlements and verdicts on behalf of clients, and we’re willing and able to pursue justice on your behalf. Recognizing our work for clients who’ve been rear-ended by distracted drivers on the Schuylkill Expressway or pedestrians who were hit on the crosswalk in Center City, numerous organizations have presented us with various accolades. Our car accident lawyers have been honored by the American Association for Justice, Lawdragon, Irish Legal 100, Super Lawyers, Best Law Firms, Martindale-Hubbell, and others.

Call or contact us online today to schedule a free consultation with a Philadelphia texting and driving accident attorney at Munley Law Personal Injury Attorneys. […]

Philadelphia Reckless Driving Accident Lawyer

When drivers behave recklessly, their negligence can lead to severe and sometimes fatal outcomes, but Munley Law’s Philadelphia reckless driving accident lawyers are here to hold them accountable. For almost seven decades, our attorneys have defended injured Philadelphians, negotiating with insurance companies for fair settlements and arguing their cases in court when necessary.

As a result, we’ve obtained victories such as a $1 million jury verdict for the family of a retired firefighter who was killed by an intoxicated truck driver who was driving recklessly. Our lawyers’ relentless pursuit of truth and justice has garnered us five-star Google Reviews and accolades from Best Lawyers, Super Lawyers, Martindale-Hubbell, Irish Legal 100, Lawdragon, and other respected organizations.

For a no-obligation, free consultation, contact our Philadelphia car accident lawyers today.

What is Considered Reckless Driving in Pennsylvania?

Under Title 75 Pa. C.S.A. […]

What Does a Philadelphia Car Accident Lawyer Do?

Choosing a Philadelphia car accident attorney is a decision not to be taken lightly. Car accidents can lead to serious injuries, which can have a lifelong impact. If you’ve just emerged from a traumatic situation like a car accident, you want to make sure that the person fighting on your behalf and protecting your rights is the right fit for you.

This begs the question: where do you begin when looking for an attorney after a serious car accident? Many people have never needed to work with a personal injury lawyer, and finding one can feel overwhelming.

If you or a loved one has experienced a car accident in Philadelphia and is unsure how to pick a car accident attorney, it can be helpful to start by understanding what exactly an automobile accident lawyer can do for you and your car accident case. If you still have questions, […]

Philadelphia Rideshare Accident Lawyer

If you or someone you love was injured in a rideshare accident, it’s important to have a skilled Philadelphia rideshare accident lawyer on your side to fight for the compensation you need to recover.

Rideshare accident claims can be difficult to follow through on your own, and you may not be sure who should be paying your medical bills. That’s why it’s important to speak with an experienced Philadelphia personal injury attorney right after your accident. Munley Law’s attorneys have extensive experience in these complex road accidents and can assist you every step of the way, from comprehensively evaluating your case and injuries to helping you build your claim and even representing your case in court if necessary. Our partners have been recognized as some of the state’s leading trial lawyers, and we also have motor vehicle accident litigation specialists on staff to fight for justice on your behalf. […]

Philadelphia Construction Accident Lawyer

With construction being one of the top 10 most dangerous jobs in the US, sustaining a potentially life-changing injury is a reality – and if this happens, you need Munley Law’s Philadelphia construction accident lawyer on your side. With almost 70 years of experience, our firm knows how to protect the rights of injured construction workers and to fight to ensure they’re fairly compensated for their losses.

Our lawyers have recovered more than $1 billion in damages thanks to our dedication to justice, thorough investigations, and strong cases. Recognizing our skills at the negotiating table and in the courtroom, numerous legal organizations and publications, such as Best Law Firms, Best Lawyers, Super Lawyers, Irish Legal 100, Martindale-Hubbell, and Lawdragon, have honored us with prestigious accolades and awards. In addition, we’ve received many five-star Google Reviews from satisfied clients.

If you or a loved one has been injured on a construction site, […]