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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Will My Employer Hold My Job While I Recover From a Work Injury?
Workers’ compensation benefits offer you a lot of things, like compensation for medical care, specific loss benefits, and payment of lost wages. But it doesn’t guarantee you’ll have a job to return to once your work-related injury or illness has recovered.
Pennsylvania is an at-will employment state, which means you can be let go from your position at any time, so long as it is not for a discriminatory reason. That would include filing for workers’ comp.
However, if your employer needs your job position to be active, for example, if you’re a full-time employee for a construction firm and are in the middle of a deadlined build, they have a right to replace you. But, when you return, they must offer you a suitable job replacement.
The only way to avoid at-will employment laws is to have stipulations in your employee contract or belong to the union. […]
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Deadly I-81 Crash Involves Tractor-Trailers and Multiple Victims
In East Hanover Township, PA, a tragic accident on Interstate 81 resulted in one death and left three others injured.
The multiple-vehicle crash occurred at 11:24 a.m. on October 24, north of Exit 80 (Route 743/Grantville/Hershey) in Lebanon County. Authorities reported that four vehicles, including a tractor-trailer, a sedan, and a van, had stopped in the southbound lanes due to heavy traffic.
According to authorities, a tractor-trailer was driving at full speed into stand-still traffic. The first impact was made to a sedan, causing it to veer into a traffic sign. The tractor-trailer continued and collided full force with a van, which was pushed into another tractor-trailer.
The van’s driver was caught between the two tractor-trailers, leading to severe impact and trauma. The Lebanon County Coroner’s office declared the van’s driver dead at the scene. The passenger and driver of the sedan and the negligent speeding tractor-trailer driver were taken to the Hershey Medical Center for evaluation and care. […]
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Where Is the Safest Place to Pull Over After an Accident?
Motor vehicle accidents are among the most stressful situations a person may face. While many people have seen footage of an accident, most are not prepared to be involved in one of the millions of crashes occurring each year in the United States. When unprepared, a person is likely to panic and increase their risk of injury to themselves or others.
Fortunately, the skilled car accident lawyers at Munley Law have decades of experience fighting for fair compensation for accident victims. Our law firm’s experience leaves us well-equipped to tell you the proper action to take following an accident, such as where to pull over and other immediate steps.
Where to Pull Over After an Accident
If you are involved in an accident on a freeway, the shoulder is the most readily available place to pull over. It is often the only somewhat safe option to turn after an accident. […]
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What Percentage of Work Zone Related Accidents Involve Large Trucks?
When you drive by a work zone on a main road or highway, you’ll likely see several large trucks on your route: dump trucks, garbage 
trucks, heavy trucks, oversized trucks, tractor trailers, and more. Construction workers use these large vehicles to pave roads, fix potholes, and even build new parts of the highway. While these massive motor vehicles are essential to construction work, they are inherently dangerous and can cause devastating harm to passenger vehicle drivers on the road.
We’re going to talk about the statistics on large trucks, work zone accidents, fatal crashes, how to avoid an accident, and what to do if you’ve been in an accident with a large commercial truck in a work zone.
If you have more questions, the Munley Law truck accident lawyers are standing by. We offer a free consultation where we will discuss your story, offer expert legal advice, […]
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Can I Sue My Neighbor for an Injury on Their Property?
When you’ve been injured on a neighbor’s property, you might feel confused, upset, and unsure about what to do next.
You may wonder about your options if you’ve suffered an injury while visiting next door. The short answer is yes, you can sue your neighbor for an injury on their property, but there’s more to consider before taking that step.
When an injury occurs on a neighbor’s property, the question of legal recourse often arises. The ability to sue a neighbor for such an injury depends on several factors and involves understanding premises liability law. Call a premises liability lawyer at Munley Law for a free consultation to review your legal options.
Why You Might Sue Your Neighbor for an Injury on Their Property
While suing a neighbor can be a difficult decision, there are several legitimate reasons why you might need to take this step if you’re injured on their property:
- Medical Expenses: If you’ve incurred significant medical bills due to the injury, […]
