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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FAYETTE COUNTY — Woman Killed, Man Injured After Car Crashes into Gas Station Sign on Route 40 PA
FAYETTE COUNTY, PA (March 19, 2025) — A car crashed into a Kwik Fill gas station sign in Menallen Township early Tuesday, March 18.
Fayette’s Coroner declared the passenger dead, while the driver was transported to the local hospital. His condition remains unknown.
The crash occurred a little before 2 a.m. on National Pike, just outside Uniontown near the mall.
A neighbor reported that the motor of the vehicle came out of the car and was “clear across the parking lot.”
Pennsylvania State Troopers continue to investigate.
Fatal Car Accidents in Pennsylvania
Navigating the aftermath of a fatal car accident requires specialized legal knowledge. Insurance companies often attempt to minimize payouts, even in tragic circumstances.
Understanding the most frequent causes of fatal accidents can help raise awareness about preventable tragedies:
Impaired Driving: Alcohol and drugs significantly impair judgment, […]
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Allegheny County — SUV Crashes Through Roof of Home in White Oak, PA
ALLEGHENY COUNTY, PA (March 18, 2025) —— A minivan crashed into the roof of an antique club in White Oak on Friday, March 14.
The crash occurred around 5:45 a.m. in the area of Bridgeview Street.
The cause of the crash remains unknown, but the minivan driver reportedly told responders at the scene that he hit the gas instead of the brakes. The driver was reportedly a man in his 70s who lives in the neighborhood, according to neighbors who responded. He was conscious but broke his arm.
The home was severely damaged. The home serves as an antique and car club.
Investigations continue.
Car Accidents Involving Buildings in Pittsburgh
In Pennsylvania, multiple parties may be liable: the driver (most common), vehicle manufacturers (in cases of mechanical failure), government entities (for road design issues), or property owners. Pennsylvania’s insurance framework provides several avenues for compensation. […]
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Harrisburg Car Accident Lawyer
A Harrisburg car accident lawyer from Munley Law understands how overwhelming a crash can be, especially when dealing with injuries and complex insurance claims. For 65 years, our experienced legal team has helped Harrisburg residents navigate Pennsylvania car accident laws and secure the compensation they deserve after accidents caused by negligent drivers or poor road maintenance. Contact us today for a free, no-obligation consultation, and let our trusted attorneys guide your path to justice. There is no fee unless we win your case.
Understanding Car Accidents in Harrisburg
In the heart of Pennsylvania, the city of Harrisburg witnesses a dynamic mix of traffic, from bustling intercity commutes to serene countryside drives. However, this traffic flow also leads to a significant number of car accidents. Dauphine County reported 2,761 crashes in 2023.
Every Harrisburg auto accident injury claim hinges on negligence, […]
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Monroe County, PA – Foggy Weather Blamed For Fatal Car Crash
MONROE COUNTY, PA (March 16, 2025) – Two people had died following a motor vehicle crash in Monroe County on March 15.
According to news reports, The car was hit by an oncoming vehicle when it was making a left turn off State Route 115 South in Tunkhannock Twp. The two passengers had died in the accident. The driver of the vehicle was injured and rushed to the hospital.
Authorities noted that visibility at the time of the accident was poor due to fog.
Police are investigating the accident.
Fatal Car Accidents Caused By Fog in Monroe County, PA
Pennsylvania’s diverse topography and climate create ideal conditions for fog formation throughout the state, particularly in valleys, mountainous regions, and areas near bodies of water. These fog conditions significantly contribute to auto accidents and subsequent personal injury claims across the Commonwealth. […]
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How to Stay Safe When Driving in a Construction Zone
Construction zones on our roads serve an essential purpose in maintaining and improving our infrastructure, but they also present unique challenges. Every year, hundreds of lives are lost in work zone crashes across the United States, with thousands more suffering injuries.
As more cities and states undertake major infrastructure projects, construction zones have become a regular part of our daily commutes. Whether you’re traveling on local streets or highways, understanding how to drive safely through these areas can help protect both you and the dedicated workers who maintain our roadways.
This comprehensive guide will walk you through everything you need to know about avoiding car crashes in work zones, from recognizing common hazards to handling specific challenges like nighttime driving and sudden traffic pattern changes. Plus, what steps to take if you’re involved in a work zone accident.
If you or a loved one has been injured in a construction zone vehicle accident, […]
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