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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Can I File for Unemployment While Receiving Workers’ Compensation?
If you get injured at work, workers’ compensation may be an option for you. Often referred to as workers’ comp, this is a state-mandated insurance program that offers payment to those who have been hurt or experienced an occupational disease while at work. It’s an extremely common way for workers who have been injured on the job to cover medical expenses and make up for lost wages. But some workers may wonder: Can I collect both unemployment and workers’ comp benefits?
In Pennsylvania, workers’ comp payment areas include wage replacement benefits, death benefits, the coverage of medical expenses, specific loss benefits, and more. Private insurance companies can pay out workers’ compensation, the State Workers’ Insurance Fund, or self-insured employers, and most PA workers (with some exceptions) are guaranteed coverage by the Pennsylvania Workers’ Compensation Act. However, the system does require you to follow very specific rules in order to make a claim or receive your due successfully. […]
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Reading, PA Urgent Cares Near Me
At Munley Law, our Reading injury lawyers know the urgency that unexpected accidents and injuries can trigger. While our primary goal is to help with your legal needs after an injury, we also want to ensure you know where to find fast and reliable medical care when needed. Getting quick needed medical attention does not always mean going to an overcrowded emergency room (ER) and waiting in discomfort. Our team has the experience and resources to provide you with an informed list of the top urgent care centers in Reading, Pennsylvania:
Tower Health Urgent Care – Wyomissing
2101 State Hill Rd Ste 5
Wyomissing, PA
(610) 898-2490
The Wyomissing Tower Health Urgent Care is about a 10-minute drive from downtown Reading. The most common care includes treating cuts, minor fractures, broken bones, and infections such as a urinary tract infection, ear infections, and upper respiratory infections (sore throat, […]
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Quakertown Personal Injury Lawyer
Accidents can quickly turn your life upside down. Whether it’s a car crash, a slip and fall, or a workplace injury, they can impact your health, finances, and peace of mind. When accidents happen, they can quickly make your life very difficult. 
That’s where a Quakertown personal injury lawyer comes in—to help you with the legal process, hold those at fault accountable, and win the fair compensation you’re entitled to.
Common Types of Personal Injury Cases in Quakertown
The practice area of personal injury law covers a wide range of cases in which someone else’s negligence or wrongdoing has harmed accident victims.
Auto Accidents
Automobile accidents can cause harm like whiplash, broken bones, and brain injuries. It can be difficult to figure out who is at fault, so it’s important to speak with an accident lawyer with experience in dealing with these situations. […]
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McKeesport PA Personal Injury Lawyer
Discover the rich history and vibrant community of McKeesport, PA, a place Munley Law has been serving for decades. Nestled in the state of Pennsylvania, McKeesport is home to notable landmarks and roads that carry stories of its residents. As you navigate through McKeesport, you find a community that holds a deep connection to its roots, offering a blend of historical and modern elements that make it a unique place to live.
Understanding Personal Injury Law
Understanding personal injury law is the first step in your recovery after suffering an injury in an accident caused by someone else’s negligence. Personal injury encompasses a range of incidents from car crashes to other accidents and medical malpractice. Any kind of personal injury caused by negligence or wrongdoing demands justice and compensation. A McKeesport personal injury lawyer from Munley Law is equipped to guide you through the complex legal landscape. […]
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Altoona Personal Injury Lawyers
When you or a loved one has been injured due to someone else’s negligence, it can be an overwhelming experience. Faced with recovery, missed work, lost paychecks, and mounting medical expenses, an injury can have long-term, even lifelong aftereffects. 
At Munley Law, we understand the physical, emotional, and financial toll that personal injuries can take. Our dedicated Altoona personal injury attorneys, are here to help guide you through this difficult time. With over 60 years of experience, we are committed to providing compassionate and effective legal representation, ensuring you receive the justice and compensation you deserve.
Trust us to fight tirelessly on your behalf so you can focus on healing and moving forward.
Experienced Personal Injury Attorneys in Altoona
At Munley Law, our experienced Altoona personal injury attorneys are devoted to securing the justice and compensation you deserve. Our team is determined to deliver personalized and effective legal representation for every client. […]
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