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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Philadelphia Workers’ Compensation Lawyer
When you need a Philadelphia workers’ compensation lawyer who fights relentlessly for injured workers, turn to Munley Law. Our experienced workers comp attorney understands how a workplace accident can devastate your life – leaving you with mounting medical bills while you’re unable to earn a paycheck. We’ve seen insurance companies deny valid claims, and employers try to force injured workers back too soon.
Our board-certified workers’ compensation attorney will ensure you receive your benefits while protecting your rights from the insurance company. Employers often don’t understand the law surrounding workers’ compensation and will try to force you back to work as soon as possible before the doctor clears you. We will make sure that doesn’t happen.
How Our Philadelphia Workers’ Compensation Attorneys Can Help
Pennsylvania law protects injured workers, but insurance companies often deny valid claims or pressure employees to return to work before they’re ready. […]
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Lebanon County, PA – Coroner Responds to Rollover Car Accident in Millcreek Twp.
LEBANON COUNTY, PA (February 18, 2025) – A pickup truck flipped over in Millcreek Township on February 18.
According to the Pennsylvania State Police, a pickup truck flipped onto its roof in the 600 block of Stricklerstown Road near Hackman Road around 5:15 a.m. The coroner was called to the scene.
Stricklerstown Road was closed between Hackman Road and Heidelberg Avenue/Route 897 as the state police investigated the accident.
Rollover Car Accidents in Lebanon County
Rollover accidents represent some of the most dangerous and potentially devastating types of motor vehicle crashes that occur on Lebanon County’s roadways. These accidents, which often happen on major routes like I-78, Route 422, and Route 322, can result in catastrophic injuries due to the violent nature of a vehicle flipping over and the subsequent roof crush that may occur.
In Lebanon County, […]
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Philadelphia, PA – Woman Dies After Tree Falls on Car
PHILADELPHIA, PA (February 17, 2025) – A woman was killed after a tree fell on top of a car in Northeast Pennsylvania on February 16.
According to news reports, Philadelphia emergency personnel responded to the 500 block of West Hill Creek Road around 6:15 p.m. When they arrived, they found a woman inside a car that a large tree had crushed.
The woman was pronounced dead at the scene shortly after.
Investigators have not yet determined if the woman, the only person inside the vehicle, was the owner of the vehicle.
The accident occurred during a high wind warning that was in effect for Philadelphia.
Weather-Related Car Accidents in Philadelphia
High wind-related car accidents in Pennsylvania present unique challenges from a personal injury perspective. Strong winds, particularly on Pennsylvania’s highways and bridges, can create dangerous driving conditions that lead to serious accidents. […]
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Reading Personal Injury Lawyer
When accidents disrupt lives in Reading and Berks County, one name stands above the rest – Munley Law. From our Court Street office steps from the Berks County courthouse, our Reading personal injury lawyers have helped countless local families recover fair compensation after car crashes on Penn Street, truck accidents on Route 422, and workplace injuries in our manufacturing facilities. We understand our community’s unique challenges, from busy downtown intersections to industrial workplaces and fight for the maximum compensation you deserve.
Don’t let the insurance companies take advantage of you. Our experienced personal injury attorneys will fight for injury victims to protect their rights and get them the compensation they deserve. Contact us today for a free consultation. Let us help you get your life back on track. Hablamos Español.
Types of Personal Injury Cases Munley Law Handles in Reading, PA
Accidents happen at any time. […]
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Elk County, PA – Man Killed in Crane Accident
Elk County, PA (February 12, 2025) – A man was pronounced dead at the scene of a crane accident in Elk County on February 10.
According to news reports, the Elk County Coroner confirmed the death happened on Carlson Road in Jones Township around 6:10 p.m. During the retraction of an outrigger on a crane, the man suffered a head injury.
His death was ruled accidental by the coroner.
The investigation into the accident is ongoing.
Crane Accidents in Pennsylvania
Construction site accidents involving cranes can lead to devastating consequences. When such accidents occur, multiple parties may bear liability, including the crane operator, the construction company, equipment manufacturers, and site supervisors. Under Pennsylvania law, injured workers or their families can pursue various legal remedies, with cases often involving both workers’ compensation claims and potential third-party liability suits against entities other than the direct employer. […]
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