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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Fatal Rollover Car Accident in Upper Macungie, PA
A 66-year-old man was killed in a car accident recently in Lehigh County, Pennsylvania. The incident occurred in Upper Macungie at approximately 10 p.m. when the driver strayed from the road on Tilghman Street (ABC News).
Investigators determined that the driver’s off-roading vehicle continued into an embankment, causing it to flip over. The impact of the rollover accident caused the victim to be thrown out of his car. Another vehicle was involved, but there were no injuries.
Emergency service responders declared the victim dead at 10.37 p.m. at the scene of the accident. The Lehigh County Coroner’s Office determined that the cause of death was an accident due to numerous blunt force injuries from the car accident (NBC News).
The Allentown car accident lawyers at Munley Law extend our deepest sympathies to everyone impacted by this accident. […]
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Can I Sue DoorDash for a Car Accident With One of Their Drivers?
If you were involved in a car crash with a DoorDash driver, there is a possibility that you could sue DoorDash, depending on the circumstances of the incident. To determine whether you can sue DoorDash for the accident, you should consult a car accident attorney at Munley Law, who will be able to help you assess the different intricacies that may affect your case.
Determining Liability in DoorDash Delivery Driver Accidents
Determining liability in an accident with a DoorDash delivery driver can become a bit complicated. Liability in a car accident is determined by using the police report filed at the scene, information from any witnesses to the crash, information from those involved in the accident, photos or videos of the accident scene, and state laws.
One factor that makes determining liability in a car accident more complex is that the collision either occurred in an at-fault or no-fault state. […]
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Can I File for Unemployment While Receiving Workers’ Compensation?
If you get injured at work, workers’ compensation may be an option for you. Often referred to as workers’ comp, this is a state-mandated insurance program that offers payment to those who have been hurt or experienced an occupational disease while at work. It’s an extremely common way for workers who have been injured on the job to cover medical expenses and make up for lost wages. But some workers may wonder: Can I collect both unemployment and workers’ comp benefits?
In Pennsylvania, workers’ comp payment areas include wage replacement benefits, death benefits, the coverage of medical expenses, specific loss benefits, and more. Private insurance companies can pay out workers’ compensation, the State Workers’ Insurance Fund, or self-insured employers, and most PA workers (with some exceptions) are guaranteed coverage by the Pennsylvania Workers’ Compensation Act. However, the system does require you to follow very specific rules in order to make a claim or receive your due successfully. […]
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What to Do If You Have a Flat Tire on the Highway
A flat tire can quickly turn a routine drive into a stressful situation, especially on a busy road. However, you can handle this common vehicle issue safely and efficiently with knowledge and preparation. Whether you’re a seasoned driver or new to the road, knowing what to do if you have a punctured tire, a tire blowout, or a slow leak on a highway can help you face this unexpected challenge with confidence and ensure you get back on your journey as quickly and safely as possible.
Initial Steps for a Flat Tire: Staying Safe
Dealing with a flat tire can be stressful, especially on a busy road. To ensure your safety, follow these initial steps:
- Find a Safe Location: Grip the steering wheel firmly to counteract the strong vibrations of your flat. Pull over to a safe spot, such as a breakdown lane on the side of the road or a nearby gas station. […]
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PA Workers’ Compensation Denials
As a state with a long history of being at the forefront of industry, manufacturing, natural resources, and transportation, Pennsylvania has a long relationship with the fight for worker rights.
The need to safeguard workers became increasingly apparent as Pennsylvania’s industrial revolution moved forward in the early 20th century. Hazardous workplace conditions caused injuries to grow in both type and frequency. This surge in workplace accidents highlighted the necessity for laws designed to protect employees, leading to the development of workers’ compensation regulations. The Pennsylvania Workers’ Compensation Act of 1915 was a law that provided employees with financial protection while requiring employers to maintain workers’ compensation insurance coverage.
If you have experienced a workplace injury in PA, you should be able to rely on this historic Pennsylvania state law to provide a financial safety net for you and your family while you recover. […]
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