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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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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Pottsville Personal Injury Lawyer
Accidents in Pottsville and surrounding communities can have an overwhelming physical, emotional, and financial toll. At Munley Law, our Pottsville personal injury lawyers provide skilled, compassionate representation for car accidents, truck accidents, workplace injuries, slip-and-falls, and medical malpractice cases throughout Schuylkill County.
Our Pottsville injury law firm was founded to provide skilled, compassionate representation that levels the playing field against powerful insurance companies. Whether you’ve suffered injuries on Route 61, in a mining accident, or due to medical malpractice at a local healthcare facility, our Schuylkill County personal injury attorneys have successfully recovered millions in compensation for clients just like you.
Contact our Pottsville personal injury law firm today for a free consultation. Located in downtown Pottsville, with no fees unless we win your case.
Why Choose a Pottsville Personal Injury Attorney at Munley Law?
There are hundreds of personal injury law firms in Schuylkill County, […]
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Driver Rescued From Crash With School Bus in Lancaster County
LANCASTER COUNTY, PA (March 13, 2025) —— A school bus and car wrecked this morning, demolishing the car.
According to local media, the wreck occurred at Valley Road/Route 372 and May Post Office Road in Eden Township at 6:54 a.m.
One person was trapped inside the car when the Quarryville Fire Company arrived. Rescue crew removed the car doors to free them, and reported the passenger sustained minor injuries.
At this time it remains unclear if any students were aboard the bus and to which district it belongs.
This is a developing story. Investigations continue.
Bus Accidents with Cars in Pennsylvania
School bus accident claims involve a number of legal challenges. There are multiple liable parties, potentially including school districts, bus companies, drivers, maintenance providers, and other motorists. There are also governmental immunity considerations, as special rules apply when suing school districts or municipalities. […]
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Doylestown Personal Injury Lawyer
When you’re dealing with mounting medical bills, missed work, and the physical pain of recovery, you need experienced legal guidance to protect your interests. A Doylestown personal injury lawyer from Munley Law can help you get back on your feet after a serious accident changes your life. Our attorneys understand the challenges that injury victims face in Bucks County — from complex insurance claims to securing proper medical care. We work tirelessly to hold negligent parties accountable and pursue the full compensation you need to move forward.
Whether you were hurt in a car crash, workplace accident, or due to someone else’s carelessness, our team has the skills and resources to handle your case effectively. Don’t wait to get the legal help you deserve. Contact Munley Law today for a free consultation with our Doylestown personal injury attorneys.
Your Rights After a Personal Injury in Doylestown
After an injury in Doylestown, […]
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Can I Change Lawyers in the Middle of a Personal Injury Case?
In a personal injury claim, having the right attorney by your side is of the utmost importance. However, there are cases when clients feel their current lawyer isn’t providing the necessary representation. What happens then?
Even though you may feel stuck, the truth is, you have options. Whether you’re experiencing communication issues, questioning your attorney’s strategy, or simply feel your case isn’t receiving proper attention, understanding your rights and the process for changing legal representation can make a significant difference in the outcome of your personal injury case.
We will walk you through everything you need to know about switching attorneys mid case and helping you make an informed decision that protects your legal rights and potential recovery. If you have any more questions, call the personal injury lawyers at Munley Law. We offer a free consultation to new clients. We’ll discuss your case and lay out your legal options. […]
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