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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Norristown Medical Malpractice Lawyer
Medical mistakes in Norristown healthcare facilities can lead to severe injuries, mounting medical expenses, and lost wages. When medical negligence upends your life, the Norristown medical malpractice lawyers at Munley Law fight to protect your rights and secure the compensation you deserve. Our experienced attorneys have represented Montgomery County clients 
against major healthcare providers throughout Pennsylvania for 65 years.
Medical malpractice victims often feel powerless against large healthcare institutions and their insurance companies. Munley Law levels the playing field. Our legal team handles the legal process, from gathering medical records to consulting with specialists, while you focus on recovery.
We work with leading medical experts to investigate your case and prove negligence. Our board-certified trial attorneys have secured millions in verdicts and settlements for victims of medical malpractice in Montgomery County.
If medical negligence has harmed you or a loved one, […]
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Norristown Car Accident Lawyer
Car accidents in Montgomery County can turn a routine day into a devastating experience marked by physical injuries, emotional trauma, mounting medical expenses, and extended periods of lost income. The Norristown car accident attorneys assist local residents following vehicle collisions, focusing on obtaining the compensation necessary for you to rebuild and move forward with your life.
Injuries from car accidents can create financial and emotional challenges that extend far beyond the moment of impact. Whether you’re dealing with minor injuries or facing long-term rehabilitation, our attorneys have the skill and dedication to investigate your case thoroughly and negotiate successfully. We examine every detail, from police reports to medical records, to build a strong claim that addresses your specific circumstances.
At Munley Law, our Norristown personal injury lawyers work on a contingency fee basis, which means you pay nothing unless we win your case. […]
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Norristown Uber Accident Lawyer
Although rideshare services like Uber provide convenient transportation, car accidents can happen anytime, and they can leave you with significant damage. A Norristown Uber accident lawyer can help if you’ve been injured in a rideshare crash. Unlike traditional car accidents, rideshare crashes often involve complications like multiple insurance policies, corporate interests, and unclear liability. At Munley Law, our rideshare accident attorneys have the expertise and success rates to handle these complex cases and ensure you get the compensation you deserve.
For 65 years, the award-winning legal team at Munley Law has helped injured car accident victims throughout Montgomery County handle the challenges of rideshare accident claims. We understand the unique aspects of Uber and Lyft accidents, from changing insurance coverage based on the driver’s status to dealing with large corporate legal teams. Whether you were a passenger, a driver, or hit by a rideshare vehicle, […]
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Ross Township, PA – Multi-Vehicle Accident Sends Four to the Hospital
ROSS TOWNSHIP, PA (March 2, 2025) – At least five people were involved in a serious car accident in Ross Township on March 1.
According to news reports, a vehicle was driving north on McKnight Road when it made a U-turn at Mcintyre Road, causing the car to flip over. Four people, a man, a woman, and their two grandchildren, were inside the vehicle at the time of the crash.
The children and the woman were taken to the hospital for treatment.
According to officials, two other vehicles were involved in the crash. Another person was also taken to the hospital for knee pain.
Police are investigating the accident.
Multi-Vehicle Accidents in Allegheny County
After a multi-vehicle accident in Allegheny County, victims can seek compensation to cover their medical bills, lost income, vehicle repairs, and pain and suffering. […]
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York Lyft Accident Lawyer
Here in York County, the rising popularity of rideshare services has unfortunately led to more car accidents on busy routes like I-83, Route 30, and downtown Market Street. After a Lyft accident, you may face mounting medical bills, lost wages, and complicated insurance claims.
Rideshare accidents differ from typical car crashes. Multiple insurance policies often apply, and your compensation might depend on whether the Lyft driver was actively transporting a passenger, heading to pick up a ride, or simply logged into the app. Pennsylvania’s insurance laws create additional challenges, making local legal expertise necessary for your case.
Experienced Lyft auto accident attorneys provide valuable support when you’re injured in a rideshare crash. Our York legal team understands the local area and the specific challenges of such cases. We’ve helped passengers and other victims handle claims involving Lyft’s insurance policy, personal insurance carriers, […]
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West Chester Car Accident Lawyer
A West Chester car accident lawyer at Munley Law understands that a car crash can turn your life upside down in seconds. Our experienced attorneys have helped people in Chester County recover compensation for their injuries, medical bills, and lost wages. From serious collisions on West Chester Pike to rear-end accidents near West Chester University, we’ve successfully handled thousands of car accident claims in our community.
With 65 years of experience serving Chester County families, Munley Law knows what it takes to win against insurance companies. We work directly with local medical providers, handle all paperwork and negotiations, and fight to get you the maximum compensation you deserve. Our deep knowledge of Pennsylvania’s insurance laws and strong track record of multi-million dollar settlements sets us apart.
Don’t wait to get help after a car accident. Contact our West Chester office today for a free consultation, or we’ll come to you. […]
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Pittsburgh, PA – Car Splits In Half After Crashing Into Pole
PITTSBURGH, PA (February 27, 2025) – One person was taken to the hospital after their car was split in half in Pittsburgh on February 25.
According to news reports, emergency crews were called to the 7200 block of Penn Avenue in Pittsburgh’s Point Breeze neighborhood at 11:23 a.m.
Witnesses say the driver was speeding and appeared to lose control of the car before hitting a pole, splitting the car in half.
The driver was taken to the hospital and remains in critical condition. Police are investigating the car accident.
Speeding Car Accidents in Pittsburgh
From a legal standpoint, speeding-related car accidents in Pittsburgh involve complex considerations under Pennsylvania law. When a driver exceeds posted speed limits or drives too fast for conditions, they breach their duty of care to others on the road, potentially establishing negligence in civil claims. Pennsylvania follows a modified comparative negligence rule, […]
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Philadelphia, PA – Man Struck and Killed By Vehicle in South Philadelphia
PHILADELPHIA, PA (February 26, 2025) – A man was struck and killed in South Philadelphia on February 24.
According to news reports, the accident occurred at 10th Street and Packer Avenue just before 7:30 p.m. The victim was first involved in a minor crash. When he got out of his car to speak with the other driver, he fell while crossing the street. It was then another vehicle hit him.
He was later pronounced dead at the hospital.
The driver of the striking vehicle remained at the scene.
What to Do After a Car Accident in Philadelphia
Getting out of your car after an accident in Philadelphia can expose you to significant personal injury risks beyond those sustained in the initial collision. The city’s busy streets and highways create a hazardous environment for anyone standing on or near roadways, especially in areas with limited visibility or during adverse weather conditions. […]
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Luzerne County, PA – Police Investigate Fatal Two-Vehicle Crash in Nanticoke
LUZERNE COUNTY, PA (February 25, 2025) – Police are currently investigating a fatal car crash in Nanticoke on February 24.
According to news reports, the two-vehicle crash occurred by a Turkey Hill convenience store at the intersection of Alden Road and West Main Street near the Newport Township border around 5 p.m.
Investigators have confirmed at least one person died in the crash.
Main Street in Nanticoke was closed down for several hours as police investigated the accident, which is still under investigation.
Fatal Car Accidents in Luzerne County
Fatal car accidents in Luzerne County, Pennsylvania create devastating consequences for families while presenting complex legal challenges. When such tragedies occur, understanding the legal framework becomes essential for those seeking justice and compensation.
Luzerne County’s geographical features contribute to accident risks. The mountainous terrain combined with harsh winter weather creates hazardous driving conditions. […]
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What to Do After a Medical Emergency Causes a Car Accident
Medical emergencies while driving can lead to devastating accidents. When another driver suffers a sudden health crisis behind the wheel, the collision can leave you with serious injuries, vehicle damage, and mounting expenses. As a victim, you deserve compensation for your losses, even when the other driver experienced a genuine medical emergency. Securing fair recovery requires a careful examination of the driver’s medical records, driving history, and the specific circumstances of the accident.
If you were injured in a car accident caused by someone else’s medical emergency, let the experienced car accident attorneys at Munley Law help you with the legal process. Our attorneys can ensure that you receive the compensation you are due. Schedule a free initial consultation today.
Medical Emergencies Behind the Wheel
Medical emergencies that cause car accidents often occur without warning to victims. A study by the National Highway Traffic and Safety Administration (NHTSA) found that while many accidents involving medical conditions are single-vehicle crashes, […]
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Tips for Staying Awake While Driving
Driving safely requires staying alert behind the wheel. Unfortunately, data indicate that drowsy driving is not uncommon on U.S. roads. Drivers who fall asleep may cause accidents that could injure or kill other motorists and pedestrians.
Were you recently injured in such an accident? If so, compensation for medical bills, lost wages, and other such losses may be available.
Contact our car accident attorneys at Munley Law for more information about your case. We’ll help you pursue the compensation you deserve. In the meantime, we offer the following tips to help you guard against falling asleep while driving.
The Deadly Reality of Fatigue-Related Accidents
Drowsy driving is a significant problem in the U.S. According to the National Highway Traffic Safety Administration (NHTSA), drowsy driving crashes resulted in 693 fatalities on U.S. roads in 2022 alone. In 2017, […]
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Hamburg, PA – Truck Driver Injured After Ice Crashes Into Windshield
HAMBURG, PA (February 24, 2025) – A semi-truck driver was injured after a large chunk of ice shattered his windshield while driving on February 21.
According to news reports, the truck driver was driving on Interstate 78 eastbound when a large chunk of ice flew off a passing tractor trailer in the westbound lanes.
Dash cam video shows the moment the ice crashed into his windshield, causing glass and ice to hit him in the chest and face. He was able to keep control of his truck despite his windshield being shattered.
The driver suffered minor cuts to his hands and face.
Truck Accidents Involving Ice and Snow in Pennsylvania
What many people don’t realize is driving with ice and snow on their vehicles is against the law. According to Pennsylvania Title 75, Section 4524(e) of the Pennsylvania Vehicle Code, […]
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Northampton County, PA – One Dead Following Car Accident on Route 33
NORTHAMPTON COUNTY, PA (February 21, 2025) – Weather may have played a role in a deadly car accident on Route 33 in Northampton County on February 20.
According to officials, the crash occurred just after 4:22 p.m. near the Belfast exit on Route 33 in Bushkill Township. The car went off the road and slammed into a tree.
The Northampton County coroner was called to the scene of the accident.
According to Pennsylvania State Police, the snowfall had turned heavy at that time and had caught many drivers off guard.
The investigation into the crash is ongoing.
Weather-Related Car Accidents in Northampton County
In Northampton County, Pennsylvania, weather-related car accidents present significant personal injury concerns, particularly during harsh winter conditions when we experience snow, ice, and freezing rain. The county’s location in the Lehigh Valley means it deals with varied weather patterns that can create hazardous driving conditions, […]
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Lycoming County, PA – One Dead, Another Injured After Car Accident on Route 220
LYCOMING COUNTY, PA (February 20, 2025) – One person is dead and another is injured following a car accident on Route 220 in Jersey Shore on Feburary 17.
According to news reports, emergency personnel responded to a three-vehicle crash on Route 220 west of the Thomas Street exit shortly before 8 p.m. Officials say that the driver of a Subaru Forester was driving north on Route 220 when he was struck nearly head-on by a Mercedes-Benz, causing entrapment. The Mercedes then struck a truck towing a trailer and then rolled onto its roof before bursting into flames.
The driver of the Mercedes was able to pull themselves from the vehicle then fled the scene on foot where they were later reportedly struck by other vehicles in the southbound lane before the police found them. The driver was taken to the Trauma Center at UPMC for treatment. […]
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Philadelphia, PA – Woman Dies After Tree Falls on Car
PHILADELPHIA, PA (February 17, 2025) – A woman was killed after a tree fell on top of a car in Northeast Pennsylvania on February 16.
According to news reports, Philadelphia emergency personnel responded to the 500 block of West Hill Creek Road around 6:15 p.m. When they arrived, they found a woman inside a car that a large tree had crushed.
The woman was pronounced dead at the scene shortly after.
Investigators have not yet determined if the woman, the only person inside the vehicle, was the owner of the vehicle.
The accident occurred during a high wind warning that was in effect for Philadelphia.
Weather-Related Car Accidents in Philadelphia
High wind-related car accidents in Pennsylvania present unique challenges from a personal injury perspective. Strong winds, particularly on Pennsylvania’s highways and bridges, can create dangerous driving conditions that lead to serious accidents. […]
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Elk County, PA – Man Killed in Crane Accident
Elk County, PA (February 12, 2025) – A man was pronounced dead at the scene of a crane accident in Elk County on February 10.
According to news reports, the Elk County Coroner confirmed the death happened on Carlson Road in Jones Township around 6:10 p.m. During the retraction of an outrigger on a crane, the man suffered a head injury.
His death was ruled accidental by the coroner.
The investigation into the accident is ongoing.
Crane Accidents in Pennsylvania
Construction site accidents involving cranes can lead to devastating consequences. When such accidents occur, multiple parties may bear liability, including the crane operator, the construction company, equipment manufacturers, and site supervisors. Under Pennsylvania law, injured workers or their families can pursue various legal remedies, with cases often involving both workers’ compensation claims and potential third-party liability suits against entities other than the direct employer. […]
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Lancaster County, PA – Man Dies After Van Collides with Scooter
Lancaster County, PA (February 11, 2025) – A man has died after a van collided with the scooter he was riding on with his sons in Lancaster County on February 10.
According to news reports, the man was driving a scooter that crashed around the 5800 block of the Old Philadelphia Pike in Salisbury Township around 3 p.m. Police say the man and his 15-month-old boy were taken to Lancaster General Hospital while the 6-year-old was airlifted to Penn State Health Milton S. Hershey Medical Center.
The man died at the hospital while the two boys remain in critical condition. The driver of the van was not injured.
The investigation is ongoing.
Scooter Accidents in Pennsylvania
Personal injury cases involving scooters in Pennsylvania have become increasingly common, particularly with the rise of electric scooters in urban areas. Under Pennsylvania law, […]
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Ski Accident Lawyer
While most winter sports enthusiasts understand the inherent risk involved, no one plans to be the victim of a ski accident—especially one that leads to serious injury, loss of income, and long term recovery.
At Munley Law, our personal injury lawyers have secured significant settlements for clients hurt by ski resort negligence, equipment failures, and reckless skiers. When your ski or snowboard accident leads to mounting medical bills and lost work time, we investigate your case thoroughly to hold responsible parties accountable.
Our extensive experience with ski law and success in personal injury cases means we can effectively pursue the full compensation you deserve.
Why Choose Munley Law for Your Ski Accident Case?
Our attorneys at Munley Law have spent decades handling complex personal injury cases, including numerous ski and snowboard accidents. We understand how ski accident claims work, […]
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Susquehanna Twp., PA – Police Car Involved in Fatal Crash on Route 22
Susquehanna Township, PA (February 10, 2025) – A Susquehanna Township police car was involved in a fatal multi-vehicle accident on US Route 22 westbound near Harrisburg on February 8.
According to news reports, the crash occurred around 12:30 p.m. on US Route 22 between 39th and Park Streets in Susquehanna Township.The crash involved a Susquehanna Township police, a sedan, a pickup, and another vehicle. One person was killed in the collision.
It is unclear what caused the accident or if anyone else was injured.
Multi-Vehicle Accident in Pennsylvania
After a multi-vehicle accident in Dauphin County, victims can seek compensation to cover their medical bills, lost income, vehicle repairs, and pain and suffering. Pennsylvania’s modified comparative negligence system allows recovery of damages even when a victim bears partial responsibility, provided their fault doesn’t exceed 50%.
Multi-vehicle crashes often involve complex insurance claims due to multiple parties. […]
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Cumberland County, PA – One Sent to Hospital Following Multi-Vehicle Crash on Route 114
Cumberland County, PA (February 6, 2025) – One person was taken to the hospital following a multi-vehicle accident in Cumberland County on February 5.
According to news reports, the crash occurred on PA 114 westbound at the Honey Locust Drive and Old Willow Mill Road intersection. Witnesses say that EMS had treated victims at the scene of the accident. One person was seen taken out on a stretcher.
No word on what caused the accident or how many people were injured. Police are investigating.
Witnesses at the Scene of a Car Accident in Pennsylvania
Witnesses play an important role in personal injury cases following car accidents, serving as independent sources of information that can significantly impact the outcome of insurance claims and potential lawsuits. Their unbiased accounts can help establish fault, provide detailed descriptions of how the accident occurred, and corroborate the victim’s version of events when liability is disputed. […]
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