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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Reading, PA Urgent Cares Near Me
At Munley Law, our Reading injury lawyers know the urgency that unexpected accidents and injuries can trigger. While our primary goal is to help with your legal needs after an injury, we also want to ensure you know where to find fast and reliable medical care when needed. Getting quick needed medical attention does not always mean going to an overcrowded emergency room (ER) and waiting in discomfort. Our team has the experience and resources to provide you with an informed list of the top urgent care centers in Reading, Pennsylvania:
Tower Health Urgent Care – Wyomissing
2101 State Hill Rd Ste 5
Wyomissing, PA
(610) 898-2490
The Wyomissing Tower Health Urgent Care is about a 10-minute drive from downtown Reading. The most common care includes treating cuts, minor fractures, broken bones, and infections such as a urinary tract infection, ear infections, and upper respiratory infections (sore throat, […]
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Jim Thorpe Personal Injury Lawyer
If you’ve ever been hurt in an accident, you know how overwhelming it can be to handle the aftermath. When dealing with medical expenses, lost income, or emotional distress, it can be not very clear to figure out where to turn for help.
In Jim Thorpe, Pennsylvania, having the right personal injury attorney can make a difference in getting the fair compensation you’re entitled to.
Types of Personal Injury Cases in Jim Thorpe
Personal injury cases come in many forms. Here are some of the most common types that a lawyer serving Jim Thorpe might handle:
Car accidents
Car accidents are among the most common causes of personal injury claims. Whether it’s a fender bender or a more serious collision, you might be entitled to compensation if someone else’s negligence caused the accident.
Slip-and-fall accidents
Slip-and-fall accidents can lead to significant injuries, […]
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Quakertown Personal Injury Lawyer
Accidents can quickly turn your life upside down. Whether it’s a car crash, a slip and fall, or a workplace injury, they can impact your health, finances, and peace of mind. When accidents happen, they can quickly make your life very difficult. 
That’s where a Quakertown personal injury lawyer comes in—to help you with the legal process, hold those at fault accountable, and win the fair compensation you’re entitled to.
Common Types of Personal Injury Cases in Quakertown
The practice area of personal injury law covers a wide range of cases in which someone else’s negligence or wrongdoing has harmed accident victims.
Auto Accidents
Automobile accidents can cause harm like whiplash, broken bones, and brain injuries. It can be difficult to figure out who is at fault, so it’s important to speak with an accident lawyer with experience in dealing with these situations. […]
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McKeesport PA Personal Injury Lawyer
Discover the rich history and vibrant community of McKeesport, PA, a place Munley Law has been serving for decades. Nestled in the state of Pennsylvania, McKeesport is home to notable landmarks and roads that carry stories of its residents. As you navigate through McKeesport, you find a community that holds a deep connection to its roots, offering a blend of historical and modern elements that make it a unique place to live.
Understanding Personal Injury Law
Understanding personal injury law is the first step in your recovery after suffering an injury in an accident caused by someone else’s negligence. Personal injury encompasses a range of incidents from car crashes to other accidents and medical malpractice. Any kind of personal injury caused by negligence or wrongdoing demands justice and compensation. A McKeesport personal injury lawyer from Munley Law is equipped to guide you through the complex legal landscape. […]
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Sunbury Personal Injury Lawyer
After being involved in an accident, your life can turn upside down. With mounting medical expenses, lost wages, property damage, and the emotional distress you’ve been through, you may need some help taking legal action. This is where Munley Law comes in. For more than 60 years, our Sunbury personal injury lawyers have helped injury victims recover compensation for their catastrophic injuries.
If you or a loved one were hurt due to someone else’s negligence and are looking for personal injury lawyers serving Sunbury, call the Northumberland County personal injury law firm of Munley Law to begin case evaluations.
Personal Injury Cases We Handle in Sunbury
Munley Law will take on the insurance company and liable parties for your personal injury claims. Below are the personal injury practice areas we commonly see.
Car Accidents
In 2022, […]
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