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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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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Harrisburg Uber Accident Lawyer
Rideshare apps are growing in popularity, and Uber is no exception. In 2024, it is estimated that Uber has 131 million monthly users. While rideshare companies boast the safety benefits of utilizing their services, these drivers are still at risk for motor vehicle accidents. Knowing your legal rights is critical for passengers in an Uber or other drivers involved in the collision. If you were injured in an Uber accident in Harrisburg, call the Harrisburg Uber accident attorneys of Munley Law.
We Represent Victims of Uber Accidents in Harrisburg
According to the 2021-2022 Uber Safety Report, 153 people died in Uber-related crashes and many more were seriously injured.
At Munley Law, we represent Uber accident victims who have suffered injury. Our Harrisburg personal injury lawyers guide victims and their families through the legal process, including handling negotiations with the insurance company. […]
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Towanda Personal Injury Lawyer
Accidents happen daily, but that doesn’t mean the victims should shoulder the financial burdens of someone else’s negligence. Serving Towanda, the personal injury lawyers of Munley Law handle a wide range of accident claims,
helping victims recover compensation for their medical bills, lost wages, property damage, pain and suffering, and more. With a commitment to quality client service, our lawyers handle the most complex cases and represent injured victims.
With multi-million dollar recoveries for clients, Munley Law is the firm to call when you’re injured. Call today for a no-obligation consultation.
Towanda Personal Injury Cases Our Attorneys Handle
Our comprehensive, full-service law firm handles the following personal injury cases in Towanda.
Car Accidents
In 2022, the Pennsylvania Department of Transportation reported over 500 car accidents in Bradford County alone. With auto accidents being so common, victims need to know what options they have for financial recovery. […]
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