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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If I Have a Bad Doctor While I Am in the Hospital, What Should I Do?
Discovering you have a subpar doctor while hospitalized can be frightening and frustrating. While most hospital physicians provide excellent care, some fall short of medical standards. According to recent studies, medical errors are now the third leading cause of death in U.S. hospitals, making it important to advocate for your care. When you’re concerned about the quality of your hospital doctor’s treatment, you need to know your options and rights. Here’s what you can do if you find yourself under the care of a physician who isn’t meeting professional standards of medical care.
Reasons You Might Be Dissatisfied with Your Doctor
You may come to be dissatisfied with your care for a wide range of reasons. While not every issue you have with a medical professional may be worthy of legal action, the following are potential signs of poor care and medical malpractice. […]
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Will My Employer Hold My Job While I Recover From a Work Injury?
Workers’ compensation benefits offer you a lot of things, like compensation for medical care, specific loss benefits, and payment of lost wages. But it doesn’t guarantee you’ll have a job to return to once your work-related injury or illness has recovered.
Pennsylvania is an at-will employment state, which means you can be let go from your position at any time, so long as it is not for a discriminatory reason. That would include filing for workers’ comp.
However, if your employer needs your job position to be active, for example, if you’re a full-time employee for a construction firm and are in the middle of a deadlined build, they have a right to replace you. But, when you return, they must offer you a suitable job replacement.
The only way to avoid at-will employment laws is to have stipulations in your employee contract or belong to the union. […]
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Defective Medical Device Attorney
A medical device is meant to support your health. Unfortunately, defective medical devices result in numerous injuries and deaths throughout the U.S. every year.
Has a medical device defect left you or a loved one with injuries? Compensation may be available. Learn more by reviewing your case with a defective medical device lawyer. At Munley Law, our team is on hand to fight for the compensation you deserve. Get started by contacting our product liability lawyers today for a free consultation.
Types of Defective Medical Device Cases We Handle
Defective medical devices can come in many forms. The following are a few examples of common medical device defects:
- Hip implant defects: A defective hip implant could become dislocated, cause injury due to metal parts, cause pain, cause infection, and other such issues.
- Surgical mesh defects: There are many ways a defective surgical mesh can cause injury, […]
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Tire Defect Attorney
Tire defects can render an otherwise safe vehicle too dangerous to drive. Unfortunately, it’s not always immediately clear when a tire is defective. Tire failures often strike without advanced warning.
Have you been hurt in a tire blowout or other tire-related accident? Compensation for your medical bills and related losses may be available.
Speak with an experienced tire defect lawyer for more information about your case. At Munley Law, serving the area for decades, we can offer the representation you need when facing off against large insurers and tire makers. Learn more by contacting our product liability attorneys today for a free consultation.
Understanding Tire Defects and Their Dangers
Tire defects come in several forms, including:
- Tread separation
- Punctures
- Damaged sidewall
- Cracks
Defective tires can cause accidents by causing loss of vehicle control. […]
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Deadly I-81 Crash Involves Tractor-Trailers and Multiple Victims
In East Hanover Township, PA, a tragic accident on Interstate 81 resulted in one death and left three others injured.
The multiple-vehicle crash occurred at 11:24 a.m. on October 24, north of Exit 80 (Route 743/Grantville/Hershey) in Lebanon County. Authorities reported that four vehicles, including a tractor-trailer, a sedan, and a van, had stopped in the southbound lanes due to heavy traffic.
According to authorities, a tractor-trailer was driving at full speed into stand-still traffic. The first impact was made to a sedan, causing it to veer into a traffic sign. The tractor-trailer continued and collided full force with a van, which was pushed into another tractor-trailer.
The van’s driver was caught between the two tractor-trailers, leading to severe impact and trauma. The Lebanon County Coroner’s office declared the van’s driver dead at the scene. The passenger and driver of the sedan and the negligent speeding tractor-trailer driver were taken to the Hershey Medical Center for evaluation and care. […]
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