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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Pittsburgh Wrongful Death Lawyer
As personal injury lawyers, it is Munley Law Personal Injury Attorneys’ mission is to make things right for people who have suffered terrible injuries and losses because of someone else’s negligence. But there are some wrongs that can never truly be made right. Losing a loved one to wrongful death is absolutely devastating. While we cannot bring that person back, our Pittsburgh personal injury lawyer can and will aggressively pursue the justice your family deserves with a wrongful death lawsuit.
If you lost someone because of a car or truck crash, workplace accident, medical error or other preventable incident in Pittsburgh, you may be entitled to compensation. While no amount of money will ever replace your loss, financial compensation can bring some peace of mind and security for your future. And, a wrongful death lawsuit is often the only way of holding the at-fault party accountable for their actions. […]
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PA Workers’ Compensation Denials
As a state with a long history of being at the forefront of industry, manufacturing, natural resources, and transportation, Pennsylvania has a long relationship with the fight for worker rights.
The need to safeguard workers became increasingly apparent as Pennsylvania’s industrial revolution moved forward in the early 20th century. Hazardous workplace conditions caused injuries to grow in both type and frequency. This surge in workplace accidents highlighted the necessity for laws designed to protect employees, leading to the development of workers’ compensation regulations. The Pennsylvania Workers’ Compensation Act of 1915 was a law that provided employees with financial protection while requiring employers to maintain workers’ compensation insurance coverage.
If you have experienced a workplace injury in PA, you should be able to rely on this historic Pennsylvania state law to provide a financial safety net for you and your family while you recover. […]
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East Stroudsburg Personal Injury Lawyers
Whether you’ve been involved in a car or motorcycle accident or experienced medical malpractice such as a surgical error, you might be overcome with the many new challenges you now have to deal with. The physical toll your injury has taken on you and your family, the mounting medical bills, and lost wages due to missed work, coupled with trying to understand your legal rig,hts can become overwhelming. If you have tragically lost a loved one, you might be considering a wrongful death case, but you don’t know where to begin.
At Munley Law, we’ve been fighting for personal injury victims since 1959, earning national recognition for our expertise in personal injury litigation. Our attorneys have been named among the Best Lawyers in America, Pennsylvania Super Lawyers, and are board certified by the National Board of Trial Advocacy. Our proven track record has secured numerous multi-million dollar settlements and verdicts for our clients. […]
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Harrisburg Premises Liability Lawyer
When shopping, visiting friends, or eating at a restaurant in Central Pennsylvania, one of the last things on your mind is getting injured. But, as we know, accidents can happen. When they do, it’s important to know your rights, mainly if the
injury occurs on someone else’s property.
In Harrisburg, premises liability law protects you when property owners fail to maintain a safe environment.
Were You Injured on Someone Else’s Property?
Imagine visiting a hotel lobby, and as you walk through, you step on a loose tile that hasn’t been fixed or marked as a hazard. You lose your balance and fall, breaking your leg. This scenario falls under premises liability, a legal concept that holds property owners responsible for injuries that occur on their property due to dangerous conditions.
If you’ve been hurt on someone else’s property, a Harrisburg premises liability lawyer can help you understand your rights and determine if you have a premise liability claim worth pursuing. […]
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Harrisburg Lyft Accident Lawyer
As the victim of a Lyft accident in Harrisburg, Pennsylvania, you may be feeling overwhelmed and unsure of your next
steps. The legal aftermath of a rideshare accident can be complicated, but you certainly don’t have to do it alone.
At the law firm of Munley Law, our team of dedicated Harrisburg Lyft accident attorneys is here to help you understand your rights and options. We know how these accidents can turn your life upside down, and we’re committed to helping you get the fair compensation you deserve.
Understanding Lyft Accidents in Harrisburg
Understanding Lyft accidents means knowing how they differ from regular car accidents. Rideshare accidents involve more parties, like the company and its insurance policies. It also matters if the Lyft driver was on duty at the time. This affects which insurance will cover the damages. Knowing these differences can help you handle the legal process and protect your rights. […]
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