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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Do You Need a CDL to Drive a Box Truck?
One of the most important questions when driving a box truck is whether you need a Commercial Driver’s License (CDL). This 
decision hinges on several factors, such as the truck’s weight, intended use, and cargo. Box trucks are commonly used for business and personal purposes, but knowing the exact requirements for each type of use can be complicated.
Understanding these rules is important, as they affect everything from legal compliance to insurance coverage and liability in the event of an accident. Whether you’re using a box truck for local deliveries or long-distance hauls, different classifications apply, and failing to adhere to these requirements may result in serious consequences.
Key differences in box truck operations include licensing requirements, vehicle classifications, and the consequences of driving without the proper CDL. Operating a box truck without the correct credentials can result in serious penalties and liabilities.
Commercial Driver’s License Requirements for Box Trucks
Driving a box truck requires a specific set of skills and qualifications, […]
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What Age Can a Child Ride on the Back of a Motorcycle in PA?
Is there a motorcycle passenger age limit in Pennsylvania? You may have questions about the minimum age for motorcycle passengers in the Commonwealth if you’ve been thinking about taking your child on the back of your bike.
Pennsylvania’s motorcycle laws have little to say about the minimum legal age of motorcycle passengers. However, they address other critical safety issues.
At Munley Law, serving the area since 1959, we know obeying the law can’t always prevent harm. If you or your child has been hurt in a motorcycle accident, contact our Motorcycle accident lawyer in Philadelphia, Scranton and Allentown for a free consultation.
Pennsylvania Law on Child Motorcycle Passengers
The Pennsylvania law addressing motorcycle passenger safety doesn’t establish a minimum age for passengers. This isn’t uncommon. Most states don’t have laws prohibiting motorcyclists from riding with child passengers as long as they abide by other applicable safety requirements. […]
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York Car Accident Lawyer
When you need a York car accident lawyer after a car crash, the path forward can feel overwhelming and uncertain. Trying to recover emotionally and physically, all while navigating the ins and outs of filing a personal injury claim, is a lot for anyone to take on. But it’s important to remember that if you find yourself in such a situation in York, Pennsylvania, you’re not alone.
Munley Law brings decades of experience and a deep understanding of the local dynamics to help accident victims regain control of their lives. If you have experienced a car accident in York, PA, and are interested in financial compensation for your injuries, lost wages, and pain and suffering, our dedicated team is here to help guide you through the process.
Contact us today to schedule a free consultation and learn how we can protect your interests.
Understanding Car Accidents in York, […]
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Lehigh County – Driver Hospitalized Following Car Crash Near High School in Lehigh Valley
LEHIGH COUNTY (December 27, 2025) – A driver was sent to the hospital after suffering serious injuries following a car accident in South Whitehall Township.
According to news reports, around midnight on December 26, the driver lost control of their vehicle on North Cedar Crest Boulevard near Parkland High School. The vehicle ended up off the road and crashed into a line of nearby trees.
There is no word as to what caused the driver to lose control of the vehicle. Police are investigating the accident.
Single-Vehicle Accidents in Pennsylvania
Single-vehicle accidents in Pennsylvania represent a significant portion of all traffic incidents in the Commonwealth, with these crashes often occurring on rural roads and highways. These accidents frequently involve vehicles leaving the roadway, particularly during adverse weather conditions like snow, ice, or heavy rain, which are common in Pennsylvania’s climate. Fatigue and distracted driving are major contributing factors, […]
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What Are the Chances of Dying in a Car Crash?
It is common knowledge that when you climb into a motor vehicle, there is a certain level of risk. Car accidents are, in fact, one of the leading causes of death in the United States. But what exactly are the chances of dying in a car crash?
The Statistical Reality of Fatal Car Accidents
Motor vehicle crashes are a leading cause of death in the United States, taking the lives of over 100 people every day. There are critical factors that increase or decrease the risk of fatality in a car accident, such as the type of car crash, the kind of roadway and road conditions, the type of motor vehicle, the characteristics of the driver, and other factors. The statistical reality of fatal car accidents in the United States is as follows:
- Current fatality rates: In 2023, […]
