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 Personal Injury Lawyer
For generations of Lehigh Valley families, an Allentown personal injury lawyer at Munley Law has been the difference between struggling with medical bills and securing the full compensation you deserve. From serious crashes on Route 22 to workplace injuries in our warehouses and manufacturing plants, we’ve built our reputation by consistently outmaneuvering insurance companies and winning substantial settlements for our neighbors throughout Allentown, Bethlehem, and Easton. While other law firms might pressure you to accept a quick, inadequate settlement after your accident, our team on Hamilton Street builds your case the right way. We push back against lowball offers – often doubling or tripling initial compensation offers through aggressive negotiation and litigation.
Don’t let insurance adjusters minimize your suffering or deny you fair compensation. Our record of multi-million dollar verdicts proves our accident attorneys know how to win, and we’re ready to put that experience to work for you. […]
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Lancaster County, PA – Man Dies After Van Collides with Scooter
Lancaster County, PA (February 11, 2025) – A man has died after a van collided with the scooter he was riding on with his sons in Lancaster County on February 10.
According to news reports, the man was driving a scooter that crashed around the 5800 block of the Old Philadelphia Pike in Salisbury Township around 3 p.m. Police say the man and his 15-month-old boy were taken to Lancaster General Hospital while the 6-year-old was airlifted to Penn State Health Milton S. Hershey Medical Center.
The man died at the hospital while the two boys remain in critical condition. The driver of the van was not injured.
The investigation is ongoing.
Scooter Accidents in Pennsylvania
Personal injury cases involving scooters in Pennsylvania have become increasingly common, particularly with the rise of electric scooters in urban areas. Under Pennsylvania law, […]
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Carlisle Personal Injury Lawyer
A Carlisle personal injury attorney at Munley Law is ready to help if you’ve been injured due to someone else’s negligence. For over 60 years, our award-winning legal team has fought for the rights of accident victims throughout Cumberland County, securing millions in verdicts and settlements.
When dealing with mounting medical bills, lost wages, and an injury’s physical and emotional toll, you need a law firm with proven experience handling complicated personal injury cases. Our track record includes landmark victories in truck accident litigation, workplace injury claims, and wrongful death cases throughout Pennsylvania.
Our personal injury attorneys understand Carlisle’s unique challenges. From accidents on I-81 to injuries at local businesses and construction sites, we have the resources and expertise to build the strongest case for you. Our team includes investigators, medical experts, and accident reconstruction specialists who work together to uncover every detail that strengthens your claim. […]
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What Qualifies as Permanent Partial Disability for Workers’ Comp?
Understanding permanent partial disability benefits can make a significant difference in your recovery and your financial stability after a work injury. A workplace accident can leave you with a lasting medical condition that affects your ability to work, but may not completely prevent you from working altogether. When that happens, you have options for financial support through workers’ compensation benefits.
Many injured workers are surprised to learn they might qualify to receive benefits even if they can still perform some job duties. Whether you’ve suffered a back injury that limits heavy lifting, hearing loss from industrial noise, or nerve damage that impacts dexterity, permanent partial disability benefits help bridge the gap between your pre-injury and post-injury earning capacity.
At Munley Law, our experienced workers’ compensation attorneys have helped hundreds of Pennsylvania workers secure the permanent partial disability benefits they need. […]
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Ski Accident Lawyer
While most winter sports enthusiasts understand the inherent risk involved, no one plans to be the victim of a ski accident—especially one that leads to serious injury, loss of income, and long term recovery.
At Munley Law, our legal team has secured significant settlements for clients hurt by ski resort negligence, equipment failures, and reckless skiers. When your ski or snowboard accident leads to mounting medical bills and lost work time, we investigate your case thoroughly to hold responsible parties accountable.
Our extensive experience with ski law and success in personal injury cases means we can effectively pursue the full compensation you deserve.
Why Choose Munley Law for Your Ski Accident Case?
Our attorneys at Munley Law have spent decades handling complex personal injury cases, including numerous ski and snowboard accidents. We understand how ski accident claims work, […]
