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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Lackawanna County, PA – Boy Dies After ATV Crashes Into an SUV
CARBONDALE TOWNSHIP, PA (March 11, 2025) — A 13-year-old boy driving an all-terrain vehicle (ATV) crashed into a sport utility vehicle (SUV) on the night of Monday, March 10.
The boy was reportedly driving on Electric Street when he crashed into the other vehicle, according to the Lackawanna Coroner. He became trapped under the SUV and the three people inside the car lifted it off of him.
At 8 PM, shortly after being rushed to Geisinger Community Medical Center, he succumbed to his injuries. The passengers in the SUV were also hospitalized and their conditions remained unknown.
The crash is under investigation.
Fatal Motor Vehicle Accidents in Lackawanna County
Fatal crashes can be psychologically and physically traumatic for the loved ones and survivors of these crashes. The aftermath of a single-vehicle accident extends far beyond property damage. Victims often face:
- Life-altering traumatic injuries requiring extensive rehabilitation
- Psychological trauma, […]
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Cranberry Township Wrongful Death Lawyer
Money cannot replace a loved one who dies because of someone else’s negligence. Munley Law recognizes that a personal injury case can help bring closure and a sense of justice for surviving family members. Our team of experienced lawyers in Cranberry Township will help you seek compensation to cover unexpected medical expenses, funeral and burial costs, and lost wages.
Munley Law has helped Pennsylvania families recover millions in wrongful death settlements and verdicts. Our attorneys have decades of experience handling cases involving car accidents, workplace incidents, medical malpractice, and commercial truck crashes throughout Butler County.
Our Cranberry Township personal injury lawyers will support you throughout this difficult time. Call Munley Law or fill out our contact form to schedule a free consultation.
Understanding Wrongful Death in Cranberry Township, PA
Wrongful death occurs when someone dies because of someone else’s negligence, […]
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Cranberry Township Pedestrian Accident Lawyer
If you’ve been hit by a car or truck in Cranberry Township, our experienced Cranberry Township pedestrian accident lawyers can help you get the compensation you deserve. Walking in our busy suburban community comes with risks—from distracted drivers to heavy traffic near the shopping centers on Route 19. When drivers fail to yield or watch for pedestrians, the injuries can be severe and life-changing.
Our legal team at Munley Law understands Pennsylvania’s insurance laws and how they affect your pedestrian accident claim. Over the past 65 years, we’ve helped injured Pennsylvanians recover millions in compensation for medical bills, lost wages, and pain and suffering. We handle all communication with insurance companies, gather evidence to build your case, and fight for maximum compensation while you focus on recovery.
Don’t wait to get help after a pedestrian accident. Call the Cranberry Township personal injury lawyers at Munley Law today for a free consultation with our Cranberry Township pedestrian accident lawyers. […]
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Cranberry Township Medical Malpractice Lawyer
When you need a medical malpractice lawyer in Cranberry Township, the first step is determining whether medical negligence harmed you or a loved one. At Munley Law, we understand that victims of medical errors face physical, emotional, and financial challenges while tackling the healthcare and legal systems.
Our medical malpractice team has secured millions in compensation for Pennsylvania patients harmed by medical negligence. We work directly with medical experts to thoroughly investigate claims involving surgical errors, misdiagnoses, medication mistakes, and birth injuries.
Pennsylvania law provides specific timelines for filing medical malpractice claims. The sooner you contact our experienced attorneys, the better we can protect your rights and pursue the compensation you deserve for medical bills, lost wages, and pain and suffering.
Contact our Cranberry Township personal injury lawyers at Munley Law today for a free consultation about your potential medical malpractice case. […]
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Cranberry Township Nursing Home Abuse Lawyer
If your loved one has suffered abuse in a Cranberry Township nursing home, you don’t have to face this situation alone. At Munley Law, our Cranberry Township nursing home abuse attorneys understand the pain and anger families feel when they discover caregivers have harmed their loved ones. For 65 years, our nursing home abuse attorneys have helped Butler County families hold negligent facilities accountable and get justice for victims of elder abuse.
Pennsylvania families place their trust in nursing homes to provide their elderly and disabled family members with proper care. Still, abuse and neglect remain serious problems in facilities across Butler County. The signs aren’t always obvious at first. This is why having an experienced legal team makes a difference.
Our nursing home abuse lawyers work directly with families to investigate suspected elder abuse, gather evidence, and take swift action to protect vulnerable residents. […]
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