Insurance

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.

More information about Insurance

When Should I Call a Truck Accident Lawyer in Easton?

Suppose you have been involved in a truck accident. In that case, you need to know that a truck accident lawsuit can be far more complex than a regular accident between passenger cars, so you should immediately contact an Easton truck accident lawyer. When Should I Call a Truck Accident Lawyer in Easton?

How Dangerous Are the Roads In Easton, PA?

Highways in Easton, PA, can be more dangerous for passenger vehicles for many reasons, including:

Mix of Local and Interstate Traffic: We are located at the crossroads of several major highways, including Interstate 78 and Route 22, which see a mix of local and interstate traffic. This can lead to varying driving speeds and behaviors, increasing the risk of accidents, especially when trucks are involved.
Narrow Lanes and Tight Curves: Some highways in Easton have narrow lanes and tight curves, which can be challenging for trucks to navigate. This increases the risk of truck accidents, […]

Who Can Be Held Responsible for an Uber Accident in Easton, PA?

Determining liability in an Uber accident can be complex, especially considering the different phases of the Uber app and the involvement of multiple parties. An experienced Easton Uber accident attorney, such as Munley Law, can assess the facts of your case, identify all potentially liable parties, and help you pursue fair compensation for your injuries and damages.

More than a million Uber drivers are on the road in the U.S. at any given time. Uber accidents can occur when you are riding in an Uber vehicle as a rideshare customer or struck by an Uber vehicle while walking or driving your car, motorcycle, or bike.

We can navigate the legal process on your behalf, negotiate with insurance companies, and, if necessary, represent you in court to protect your rights.

Can More Than One Party Be Responsible For My Easton Uber Accident? […]

States With the Best And Worst Drivers

The U.S. Northeast and Hawaii Have the Lowest Traffic Incident Rates

As of the latest data from the National Highway Safety Traffic Administration, the number of pedestrians killed by drivers in traffic accidents is at a recorded high, with 7,522 fatalities in 2022. The percentage of fatalities caused by drunk driving is also at a record high of 31.8% Overall, the U.S. has fallen behind other developed countries in preventing motor vehicle fatalities. The rate of car accident deaths in the U.S. is three times higher than in Canada and Australia, and more than five times higher than in Scandinavia, Switzerland or Britain.

Motor vehicles are the most common form of transportation in the U.S. — 75.4% of Americans commute to work using a car, truck or van, while only 2.5% used public transport. In total, drivers in the U.S. […]

What Is Full Tort vs. Limited Tort in Pennsylvania?

Full Tort vs. Limited Tort in Pennsylvania

Some states, including Pennsylvania, give two coverage options when choosing car insurance policies. This ensures a person chooses a policy that best fits their needs. The two coverage options given in Pennsylvania are limited tort — which restricts the compensation a person can get from a case — and full tort — which puts no restrictions on the compensation.

When choosing limited tort vs. full tort coverage, knowing the difference between the two is essential to make sure you choose the best fit. Here are the differences between full tort and limited tort coverage in Pennsylvania.

What Is Pennsylvania’s Tort Insurance?

Simply put, Pennsylvania’s tort insurance allows the injury victim to be compensated following a car accident in Pennsylvania. Pennsylvania is a “choice no-fault” insurance state. This means the driver is given the choice of either a no-fault insurance policy or an at-fault insurance policy. […]

Pittsburgh Nursing Home Abuse Lawyer

Nursing homes are meant to be strictly regulated. Staff in assisted living facilities and nursing homes must protect their residents and preserve their dignity. When you trust your loved one to a professional or facility, you expect them to be properly cared for and safe.

However, abuse in nursing homes and assisted living facilities happens every day. In 2020, nursing home ombudsmen throughout the United States saw over 15,000 complaints related to abuse or neglect. These are just the incidents that are reported, however. Elderly residents are often unable or hesitant to report abuse, and family members can miss some common nursing home abuse signs.

If you suspect your loved one is facing abuse or neglect in their nursing home or facility, speak with a Pittsburgh personal injury attorney. We can work with you to protect your and your loved one’s rights and pursue compensation for any injuries suffered. […]