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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Cranberry Township Workers’ Compensation Lawyer
Injured at work in Cranberry Township? Know your rights and the compensation you’re entitled to. The Cranberry Township personal injury team at Munley Law helps clients secure medical care and wage-loss benefits after workplace accidents.
For 65 years, we’ve handled cases from back injuries to catastrophic accidents across Butler County’s manufacturing plants, warehouses, construction sites, and other hazardous worksites.
Pennsylvania law entitles you to benefits covering medical bills and lost wages during recovery. Insurance companies often deny valid claims or terminate benefits prematurely. Our attorneys understand insurers’ tactics to minimize claims and counter with strong evidence and medical documentation to protect your rights.
We’ve secured millions in benefits for injured workers throughout Western Pennsylvania. Contact Munley Law today for a free consultation with our Cranberry Township personal injury lawyers.
How Our Cranberry Township Workers’ Compensation Attorneys Fight for You
Getting workers’ […]
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Schuylkill County, PA – Truck Driver Hit After Leaving Truck on I-81
SCHUYLKILL COUNTY, PA (March 12, 2025) – A truck driver who had gotten out of his vehicle on Interstate 81 was hit by another vehicle in Schuylkill County on Monday.
According to the Pennsylvania State Police, the man was driving a 1994 Freightliner south when he was rear-ended near the Mahanoy Township exit of I-81 around 6 a.m. on March 10.
The truck driver had gotten out of his vehicle and was standing in the middle of the southbound lanes when he was hit by another vehicle.
Both the truck driver and the driver of the vehicle that hit him were taken to the hospital with serious injuries.
Police are investigating the accident.
Staying Safe At An Accident Scene in Schuylkill County
Many secondary accidents occur when drivers exit their vehicles on busy roadways, particularly in Schuylkill County, […]
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Lancaster County, PA – Vehicle Crashes into Horse and Buggy
LANCASTER COUNTY, PA (March 12, 2025) —— A driver collided with a horse-drawn buggy on Sunday, March 10.
According to local media, Northern Lancaster County Regional Police Department officers were dispatched to West Orange Street and Pfautz Avenue in Warwick Township around 6:45 p.m.
Police found a buggy flipped on its side, after being struck from behind by a 2012 Subaru WRX. The horse was not injured.
The driver of the Subaru was arrested for suspicion of DUI and taken into custody. He was reportedly speeding while under the influence of drugs or alcohol, according to a preliminary investigation conducted by local police. He sustained minor injuries that were treated on the scene.
The buggy was occupied by a man and a woman. Police transported the woman to the hospital for care. She was later discharged.
Both the buggy and car were towed from the scene. […]
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Philadelphia, PA – Truck Crash Causes Traffic on I-76
PHILADELPHIA, PA (March 11, 2025) —— A three-car crash on I-76 Westbound caused major traffic delays in Philadelphia.
A tractor trailer, a Mazda and a Chevrolet Cruise collided. Officials shared that the crash was likely caused by one of the drivers having a medical emergency.
The lane was blocked by the tractor trailer, contributing to the backup. Traffic has now cleared.
Officials continue to investigate.
Multi-Vehicle Accidents With Trucks in the Philadelphia Area
Truck accidents involving multiple vehicles have become an increasing concern for Philadelphia residents and commuters alike. These complex collisions, often occurring on major arteries like I-95, I-76, and the Schuylkill Expressway, can lead to catastrophic consequences, including severe injuries, fatalities, and extensive property damage. Unlike in simple two-car collisions, determining fault in multi-vehicle accidents with a truck often involves difficult investigations. Multiple parties may share varying degrees of responsibility, […]
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Cranberry Township Product Liability Lawyer
When manufacturers put profits ahead of safety in Butler County, they must be held accountable for the personal injuries they cause. If you’ve been harmed by a defective product, Munley Law’s Cranberry Township product liability attorneys can help you seek compensation. Our lawyers have fought for injured clients throughout Butler County for 65 years.
Unsafe products lead to mounting medical bills, lost income, and ongoing pain. We have secured millions in compensation for victims harmed by dangerous products, including defective car parts and unsafe medical devices.
Munley Law gives you direct access to experienced personal injury attorneys in Cranberry Township who will investigate your case, gather evidence, and pursue maximum compensation. We don’t collect any fees until we’ve won your case. Call us today to schedule a free consultation.
Common Product Liability Cases in Cranberry Township
Faulty products can be found in Cranberry Township homes, […]
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