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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Allentown Product Liability Lawyer
When product manufacturers put profit before safety, they need to be held accountable for injuries that occur when their products cause harm. If you suffered a serious injury from an unsafe product, dangerous drug, or defective device, you will need a skilled Allentown product liability lawyer at Munley Law to help ensure that you receive proper compensation.
Why You Need a Product Liability Lawyer in Allentown, PA
If you suffer an injury from an unsafe product, you may be able to take legal action to get compensation for your suffering and related costs. Defective product cases are highly complex and can be difficult to navigate. The success of your case will depend heavily upon the skill and experience of the product liability lawyers handling the case.
The Allentown product liability attorneys at Munley Law have handled defective product cases involving everything from defective auto parts to prescription drugs to heavy construction equipment. […]
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Fatal Rollover Car Accident in Upper Macungie, PA
A 66-year-old man was killed in a car accident recently in Lehigh County, Pennsylvania. The incident occurred in Upper Macungie at approximately 10 p.m. when the driver strayed from the road on Tilghman Street (ABC News).
Investigators determined that the driver’s off-roading vehicle continued into an embankment, causing it to flip over. The impact of the rollover accident caused the victim to be thrown out of his car. Another vehicle was involved, but there were no injuries.
Emergency service responders declared the victim dead at 10.37 p.m. at the scene of the accident. The Lehigh County Coroner’s Office determined that the cause of death was an accident due to numerous blunt force injuries from the car accident (NBC News).
The Allentown car accident lawyers at Munley Law extend our deepest sympathies to everyone impacted by this accident. […]
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Can I Sue DoorDash for a Car Accident With One of Their Drivers?
If you were involved in a car crash with a DoorDash driver, there is a possibility that you could sue DoorDash, depending on the circumstances of the incident. To determine whether you can sue DoorDash for the accident, you should consult a car accident attorney at Munley Law, who will be able to help you assess the different intricacies that may affect your case.
Determining Liability in DoorDash Delivery Driver Accidents
Determining liability in an accident with a DoorDash delivery driver can become a bit complicated. Liability in a car accident is determined by using the police report filed at the scene, information from any witnesses to the crash, information from those involved in the accident, photos or videos of the accident scene, and state laws.
One factor that makes determining liability in a car accident more complex is that the collision either occurred in an at-fault or no-fault state. […]
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Can I File for Unemployment While Receiving Workers’ Compensation?
If you get injured at work, workers’ compensation may be an option for you. Often referred to as workers’ comp, this is a state-mandated insurance program that offers payment to those who have been hurt or experienced an occupational disease while at work. It’s an extremely common way for workers who have been injured on the job to cover medical expenses and make up for lost wages. But some workers may wonder: Can I collect both unemployment and workers’ comp benefits?
In Pennsylvania, workers’ comp payment areas include wage replacement benefits, death benefits, the coverage of medical expenses, specific loss benefits, and more. Private insurance companies can pay out workers’ compensation, the State Workers’ Insurance Fund, or self-insured employers, and most PA workers (with some exceptions) are guaranteed coverage by the Pennsylvania Workers’ Compensation Act. […]
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Wilkes-Barre Truck Accident Lawyer
Our Wilkes-Barre truck accident lawyers are dedicated to providing expert legal representation to those injured in truck accidents. Relying on 65 years of experience, our trucking accident attorneys know how complex these cases can be and are not afraid to stand up against the trucking companies. We have three attorneys on staff who are board-certified in Truck Law, the only law firm in Pennsylvania that has this distinction. Our peers and prestigious organizations have recognized our trucking accident attorneys for their work in truck litigation. We will work hard to get you the compensation you deserve.
When you choose us as your truck accident lawyer in Wilkes-Barre, you choose a firm deeply rooted in the Wilkes-Barre community with the experience needed to go head-to-head with the trucking companies. If you or a loved one was injured in a truck accident, contact the truck accident lawyers at Munley Law Personal Injury Attorneys for a FREE consultation. […]
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