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.
More information about Insurance
Wilkes-Barre Distracted Driving Accident Lawyer
If you or a loved one has been injured in a distracted driving accident in Wilkes-Barre, your first step is to hire a Wilkes-Barre distracted driving accident lawyer. You’re likely facing physical pain, emotional trauma, mounting medical bills, lost wages from missed work, and drastic changes to your daily routine. In the most heartbreaking cases, you may have even lost a family member. During this challenging time, the last thing you need is the added stress of battling with insurance companies and navigating a complex legal system to secure the financial resources necessary for your recovery.
An experienced Wilkes-Barre car accident lawyer at Munley Law can review and manage your car accident case and fight to ensure you receive what is due. Contact us for your free consultation — we do not collect a fee for our services unless we win your case. […]
Read MoreMore information about Insurance
What Causes Most Car Accidents To Happen in Wilkes-Barre?
Wilkes-Barre is located near several heavily traveled roads, such as I-81, the Pennsylvania Turnpike, Route 11, and the Cross Valley. Unsurprisingly, the number of car accidents in Wilkes-Barre has steadily increased in recent years. Knowing where most car accidents occur in Wilkes-Barre can you be more alert when traveling in these areas.
If you or your loved one were a victim of a car accident in Wilkes-Barre, Pennsylvania, you may have the right to compensation. The Wilkes-Barre car accident lawyers at Munley Law have extensive knowledge of Pennsylvania law, various insurance policies, and the Pennsylvania court system. Call today for a free consultation with one of our expert car accident lawyers. We will guide you through the claims process and do everything in our power to ensure you receive the maximum compensation for your injuries.
The Common Causes of Car Accidents in Wilkes-Barre, […]
Read MoreMore information about Insurance
Wilkes-Barre Tractor Trailer Accident Attorney
The Wilkes-Barre tractor trailer accident attorneys at Munley Law Personal Injury Attorneys have a history of winning tractor trailer accident cases in Northeast Pennsylvania and beyond. We represent injured drivers, passengers, truckers, motorcycle riders and pedestrians. Call, chat now or submit our online form for a free review of your case.
If you hire a Wilkes-Barre tractor trailer accident attorney at Munley Law Personal Injury Attorneys you will have no upfront costs. We work on contingency and we don’t get paid until we win your case. We handle all out-of-pocket expenses so that cost will never stand in the way of your recovery.
How A Wilkes-Barre Tractor Trailer Accident Lawyer Can Help
An at-fault trucking company or their insurer will try to quickly and cheaply settle your case. They are motivated to move fast before you have found the right legal representation. […]
Read MoreMore information about Insurance
Wilkes-Barre Rideshare Accident Lawyer
If you are a passenger, motorist, or pedestrian injured in an accident caused by a rideshare driver, it’s important to have an experienced Wilkes-Barre rideshare accident lawyer on your side to ensure you receive the compensation you deserve. At Munley Law, we represent clients in various rideshare accident scenarios. Whether you were a passenger in an Uber or Lyft when your driver caused a crash, driving your vehicle, or walking when a negligent rideshare driver hit you, our skilled personal injury attorneys can help you navigate the complicated legal landscape surrounding these claims. Contact us today to schedule a free consultation.
At-Fault Parties in a Wilkes-Barre Rideshare Accident
Rideshare accidents in Wilkes-Barre (and most places in the United States) can have added complications. These car accidents are treated differently than an accident with a normal vehicle or traditional commercial vehicle.
Determining liability and insurance coverage in a rideshare accident can be complicated. […]
More information about Insurance
Can Union Workers in Wilkes-Barre Receive Workers’ Compensation?
If you’re part of a labor union, you have benefits other workers don’t. Collective bargaining agreements can increase your pay, working conditions, job security, and more. As a union worker, you pay a fee so your union can negotiate these benefits on your behalf. It doesn’t mean you’re immune to injuries on the job.
At Munley Law Personal Injury Attorneys, our Wilkes-Barre workers’ compensation lawyers have been helping union workers file workers’ compensation claims for decades. Many unions also provide added benefits for workplace injuries. Some unions also provide legal resources for their employees. However, these lawyers can get overwhelmed with their caseload. Get your maximum benefits by hiring a lawyer experienced with workers’ compensation and union workers.
Call or contact us for a free case evaluation today.
Union Employees May Have Added Workers’ Comp Coverage
There are about 900,000 unionized employees in Pennsylvania’s AFL-CIO. […]
Read More
