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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Sunbury Personal Injury Lawyer
After being involved in an accident, your life can turn upside down. With mounting medical expenses, lost wages, property damage, and the emotional distress you’ve been through, you may need some help taking legal action. This is
where Munley Law comes in. For more than 60 years, our Sunbury personal injury lawyers have helped injury victims recover compensation for their catastrophic injuries.
If you or a loved one were hurt due to someone else’s negligence and are looking for personal injury lawyers serving Sunbury, call the Northumberland County personal injury law firm of Munley Law to begin case evaluations.
Personal Injury Cases We Handle in Sunbury
Munley Law will take on the insurance company and liable parties for your personal injury claims. Below are the personal injury practice areas we commonly see.
Car Accidents
In 2022, […]
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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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Pottsville Personal Injury Lawyer
Our Pottsville personal injury lawyers are here to provide the support and legal expertise you need. We specialize in various personal injury cases and are committed to fighting for our clients’ rights in Pottsville and beyond. Let us handle the complexities of your case so you can focus on healing and moving forward.
Call or submit our online form today to schedule a free consultation.
Why Choose a Pottsville Personal Injury Attorney at Munley Law?
There are hundreds of personal injury law firms in Schuylkill County, but they are not all the same. Choosing the right personal injury lawyer can make a significant difference in the outcome of your case.
- Decades of Experience: With over 60 years of experience, our attorneys have handled thousands of personal injury cases. Our extensive knowledge and proven track record ensure we can effectively advocate for your rights. […]
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Lebanon PA Personal Injury Lawyers
Navigating the aftermath of a personal injury can be a daunting experience, especially when you’re juggling medical appointments, insurance claims, and emotional stress. If you’re a resident of Lebanon, Pennsylvania, or the surrounding areas, you may be contemplating the need for legal assistance.
Hiring a Lebanon personal injury lawyer can be a pivotal step in securing the compensation you rightfully deserve. With expertise in local laws and a focus on client care, these specialized attorneys are equipped to guide you through the complexities of personal injury lawsuits.
Why is it crucial to engage a local lawyer for your personal injury lawsuit? Not only do they have a nuanced understanding of Pennsylvania’s personal injury laws, but they also have established relationships with local courts and insurance companies, which can be invaluable in expediting your case. Moreover, a Lebanon-based personal injury lawyer can offer personalized consultations, […]
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Norristown Personal Injury Lawyer
At Munley Law, our Norristown personal injury lawyers have been helping injured people throughout Pennsylvania for over 60 years. Our knowledge, skills, reputation, and vast resources make us one of the nation’s top personal injury law firms. If you have suffered harm because of someone else’s negligence, let us help you secure justice. The process begins with a free, no-obligation consultation with one of our attorneys. Call or chat live with us today to schedule a free consultation.
Types of Personal Injury Cases We Handle in Norristown, PA
To maximize your claim’s chances of success, you’ll want to find a lawyer with experience handling cases like yours. Choosing a law firm that specializes in personal injury and has experience with your particular case type is important. These are some types of personal injury cases we have experience with at Munley Law.
Norristown Truck Accidents
Of all the many types of personal injury cases, […]
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