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 Truck Accident Lawyer
Truck accidents throughout Cranberry Township, PA, often result in catastrophic injuries for victims. When you or a loved one are injured, you need a legal team that gets results. Munley Law’s Cranberry Township truck accident lawyers have recovered millions in compensation for accident victims and their families throughout Butler County.
Whether a jackknife accident on I-79 or an underride collision on Route 19, our attorneys understand the serious injuries, medical bills, and lost wages truck accidents cause. Trucking companies try to hide important evidence, but our firm works with experts to prove your case.
You deserve compensation that pays for all your injuries and losses. Our contingency fee structure means you don’t pay any fees unless we recover compensation for you. Call the Cranberry Township personal injury lawyers at Munley Law today for a free consultation with our experienced truck accident lawyers. […]
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North Huntingdon Personal Injury Lawyer
No one ever considers the effects of a personal injury unless they go through it themselves. Catastrophic injuries from car accidents, slip and falls, workplace incidents, or medical malpractice affects every aspect of the victim’s life. Physical pain, intense emotional distress, and crippling financial strain are all side effects of a single personal injury.
We’re going to talk you through what your rights are after suffering a personal injury, what legal issues you may face, and the legal services a Munley North Huntingdon personal injury lawyer offers. For more questions, call the Munley law offices at 844-563-9077 or fill out our online contact form. Our personal injury attorneys offer a free consultation where we will discuss your story, assess your claim, and lay out your legal options. Call today.
Understanding Your Rights After an Injury in North Huntingdon
There are four main components to a Pennsylvania personal injury lawsuit you should understand before filing your claim. […]
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What Are the Signs of Shock After a Car Accident?
The force of a car crash can send the body into shock, a serious physical condition that can be life-threatening. While victims of car accidents often experience a state of mental shock, medical shock is something different. Medical shock is a condition that occurs when your body struggles to pump enough blood to your vital organs. Understanding the signs of both physical and emotional shock after a car accident can help ensure you receive the care you need and avoid dangerous complications.
Common Types of Shock Caused By Car Accidents
Shock happens when a lack of blood flow prevents oxygen from getting to your organs, which can lead to permanent damage or death if not treated quickly. There are a few different kinds of shock that can occur as a result of a car accident:
Hypovolemic Shock
In car accidents, […]
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Cranberry Township Car Accident Lawyer
Motor vehicle accidents always result in a loss: the loss of physical freedom, the loss of expensive property, the loss of emotional stability, the loss of financial security, and sometimes even the loss of life. While a car accident lawsuit can’t undo what happened to you or your loved ones, it can help alleviate the unexpected financial burden of the crash and give you some sense of justice and peace.
The Cranberry Township car accident attorneys at Munley Law are here to help pick up the pieces after a serious accident. Since opening our doors in 1959, we have helped clients throughout Butler County recover compensation for medical bills, lost wages, and other crash-related expenses. Contact us today for a free consultation about your case with a Cranberry Township personal injury lawyer. We’ll review your options and explain how we can help protect your rights under Pennsylvania law. […]
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Cranberry Township Personal Injury Lawyer
If you’ve suffered a personal injury and live in Cranberry Township, the experienced attorneys at Munley Law are here to help. We’ve spent decades assisting people in Butler County and the surrounding areas get the compensation they deserve after serious injuries.
You shouldn’t have to handle medical bills, insurance paperwork, and lost wages on your own after an injury. The Cranberry Township personal injury attorneys at Munley Law manage every aspect of your case so you can focus on getting better. Our track record includes millions in settlements and verdicts for Butler County residents who’ve been the victims of serious accidents, and we’re ready to put that experience to work for you.
Why Choose a Personal Injury Attorney at Munley Law
The attorneys at Munley Law bring deep Butler County knowledge to your personal injury case. Our local experience matters—from understanding how specific intersections along Route 19 impact car accident cases to knowing which insurance adjusters handle claims in our region. […]
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