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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Florida Truck Accident Lawyers
Florida’s truck route network is a vital system that supports the state’s logistics and transportation needs. It includes
major highways like I-95, I-75, I-4, and I-10, which are essential for long-haul trucking in the trucking industry. Key US highways such as US-1, US-27, and US-98 provide important connections between cities, while state roads ensure comprehensive coverage.
With the number of commercial vehicles on Florida roads, it’s no surprise that accidents do and will continue to happen. Florida’s busy highways see significant commercial traffic, including delivery trucks, freight carriers, and other large vehicles. Unfortunately, this also means a higher likelihood of large truck-related accidents, which can result in severe injuries and fatalities due to the size and weight of these vehicles.
When a truck accident occurs, it’s not just about dealing with the immediate aftermath—such as medical treatment and vehicle repairs—but also about understanding the regulations and liabilities. […]
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Williamsport Personal Injury Lawyer
If you or a loved one suffered a severe injury in an accident caused by someone else, you have the right to pursue compensation for your losses. A skilled Williamsport personal injury lawyer at Munley Law can ensure you recover fair compensation for your injuries.
Chat live, fill out our contact form, or call today. The consultation is always free, and we never charge a fee unless we win your case.
What is A Personal Injury Claim?
A personal injury claim refers to the legal process of suing a party or parties for damages after their negligence caused you harm.
For example, let’s say a drunk driver crashed into your car, sending you to the hospital with multiple broken bones that required surgery, and rehabilitation. The medical expenses you incurred from that car accident are more than $100,000. A personal injury claim allows you to sue the drunk driver and collect financial compensation that will offset those expenses. […]
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Nazareth Personal Injury Lawyer
If you or a loved one has been injured due to someone else’s negligence, you are now also tasked with trying to understand the legal issues around personal injury law. It’s not easy to know what steps to take or who to turn to for help. That’s where Munley Law comes in.
Our Nazareth personal injury attorneys are dedicated to guiding you through this difficult process. Whether you’ve been in a car accident, hurt on the job, or injured due to medical malpractice, we’re here to make sure you get the compensation you deserve.
When Do I Need a Personal Injury Lawyer in Nazareth?
Personal injury cases arise from a variety of situations where someone else’s carelessness or intentional wrongdoing results in harm. Many people aren’t sure whether their case qualifies for a personal injury claim. However, […]
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California Truck Accident Lawyer
The trucking industry is vital to California’s economy. It ensures fresh food gets to grocery stores, delivers parts to factories, and more. It generates billions in revenue each year by moving goods like food, fuel, electronics, furniture, and clothing.
Given the high volume of trucks on California’s roads, like I-5, I-10 and I-80, accidents are inevitable due to the increased traffic and the inherent risks associated with large commercial vehicles. If you’ve been in a truck accident, an experienced California truck lawyer can help you get the compensation you need.
We are Award-Winning Trucking Accident Attorneys
Our award-winning trucking accident attorneys are dedicated to providing exceptional legal representation to truck drivers in
California. At Munley Law Personal Injury Attorneys, our law firm is recognized for its experience, expertise, and success in handling trucking accident cases nationally.
Munley Law Personal Injury Attorneys has been consistently recognized for excellence in legal practice. […]
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What Percentage of Work Zone Related Accidents Involve Large Trucks?
When you drive by a work zone on a main road or highway, you’ll likely see several large trucks on your route: dump trucks, garbage 
trucks, heavy trucks, oversized trucks, tractor trailers, and more. Construction workers use these large vehicles to pave roads, fix potholes, and even build new parts of the highway. While these massive motor vehicles are essential to construction work, they are inherently dangerous and can cause devastating harm to passenger vehicle drivers on the road.
We’re going to talk about the statistics on large trucks, work zone accidents, fatal crashes, how to avoid an accident, and what to do if you’ve been in an accident with a large commercial truck in a work zone.
If you have more questions, the Munley Law truck accident lawyers are standing by. We offer a free consultation where we will discuss your story, offer expert legal advice, […]
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