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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Harrisburg Wrongful Death Lawyer
Grief over the loss of a loved one can be all-consuming. Sadness, anger, depression, loneliness, and even numbness – they are all common responses to losing a spouse, child, parent, sibling, or close friend. In the midst of your grief, the last thing on your mind is a personal injury lawsuit. However, even though it may not seem like it now, the compensation you can recover from a claim for damages may be the thing that stands between financial debt and financial freedom following the death of that beloved person due to the negligence of others.
At Munley Law, our compassionate Harrisburg wrongful death lawyers are deeply understanding of what you and your family are going through. We are here to protect your rights, to secure fair compensation for your losses, hold the responsible party accountable, and give you a sense of justice in the midst of your grief. […]
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Philadelphia Wrongful Death Lawyer
If you have lost a family member due to someone else’s negligence, you will need a Philadelphia wrongful death lawyer to help with the case. The individual or company responsible for your loved one’s death needs to be held accountable, and Pennsylvania law entitles surviving family members to seek just compensation. While no amount of money can replace what you have lost, a wrongful death suit can hold the negligent party accountable for their actions and help provide future security for you and your family.
At Munley Law, our personal injury attorneys bring decades of experience representing families in the Philadelphia area. Our attorneys have fought for families in wrongful death cases involving all types of fatal accidents, and we have recovered millions of dollars in compensation for our personal injury clients’ losses. We understand your situation and want you to know that we are here to help in any way we can. […]
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Hazleton Product Liability Lawyer
Para asistencia inmediata en Espanol, Favor de llamarnos al numero 570-983-3844.
Have you been hurt by a defective product in Hazleton? Contact a Hazleton product liability lawyer at Munley Law Personal Injury Attorneys for a free consultation
The product liability attorneys at Munley Law Personal Injury Attorneys represent individuals who have been injured by a defective or unsafe product. A defect in design and manufacturing, or lack of appropriate safety warnings can cause serious harm or even death. A Hazleton product liability lawyer will hold the negligent manufacturer responsible.
Proving that a product defect caused your injury can be challenging. A product liability case often involves dealing with large corporations and their insurance companies. The product liability and personal injury lawyers at Munley Law Personal Injury Attorneys have decades of experience handling cases against automakers, pharmaceutical companies, and other major manufacturers. […]
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Fatal Rollover Car Accident in Upper Macungie, PA
A 66-year-old man was killed in a car accident recently in Lehigh County, Pennsylvania. The incident occurred in Upper Macungie at approximately 10 p.m. when the driver strayed from the road on Tilghman Street (ABC News).
Investigators determined that the driver’s off-roading vehicle continued into an embankment, causing it to flip over. The impact of the rollover accident caused the victim to be thrown out of his car. Another vehicle was involved, but there were no injuries.
Emergency service responders declared the victim dead at 10.37 p.m. at the scene of the accident. The Lehigh County Coroner’s Office determined that the cause of death was an accident due to numerous blunt force injuries from the car accident (NBC News).
The Allentown car accident lawyers at Munley Law extend our deepest sympathies to everyone impacted by this accident. […]
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Can I Sue DoorDash for a Car Accident With One of Their Drivers?
If you were involved in a car crash with a DoorDash driver, there is a possibility that you could sue DoorDash, depending on the circumstances of the incident. To determine whether you can sue DoorDash for the accident, you should consult a car accident attorney at Munley Law, who will be able to help you assess the different intricacies that may affect your case.
Determining Liability in DoorDash Delivery Driver Accidents
Determining liability in an accident with a DoorDash delivery driver can become a bit complicated. Liability in a car accident is determined by using the police report filed at the scene, information from any witnesses to the crash, information from those involved in the accident, photos or videos of the accident scene, and state laws.
One factor that makes determining liability in a car accident more complex is that the collision either occurred in an at-fault or no-fault state. […]
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