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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What is Pain and Suffering in Pittsburgh Personal Injury Claims?
The law compensates victims who have experienced an injury-causing accident if it occurred as the result of someone else’s negligence. In these cases, the victim may file a personal injury claim with the help of a Pittsburgh personal injury lawyer to seek just compensation for all of their losses and pain. In the context of a personal injury claim, pain and suffering is a wide-ranging term that encompasses all forms of mental and physical suffering the victim has endured as a result of the accident. This can include things like physical pain, as well as things like emotional trauma suffered and mental anguish.
What Are Pain and Suffering Damages?
Pain and suffering is a broad umbrella term encompassing many experiences. So when we talk about “pain and suffering,” what exactly are we talking about?
Calculating pain and suffering is certainly not an exact science. […]
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Pennsylvania Wrongful Death Lawyer
Losing a loved one to someone else’s negligence is a tragedy no one should have to bear. While no amount of money will make things right, seeking justice with the help of a Pennsylvania wrongful death lawyer can hold the at-fault party accountable and bring your family some security.
What is Considered Wrongful Death?
In Pennsylvania, wrongful death is defined as a death caused by the wrongful act, neglect, unlawful violence, or negligence of another person or entity. The purpose of a wrongful death lawsuit is to compensate the family of the deceased for the losses they have suffered as a result of their loved one’s untimely death. This includes immediate expenses like funeral and burial costs and long-term losses such as loss of earnings and financial support, benefits, and companionship.
Common causes of wrongful death lawsuits include fatal motor vehicle accidents, […]
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Pennsylvania Medical Malpractice Lawyer
When you or someone you love enters a hospital or undergoes medical treatment, you rely on their caregivers to protect their patients from harm. Unfortunately, healthcare providers do not always uphold the standard of care. When a medical professional fails to uphold the standard of care, a medical error or medical negligence can have life-altering consequences for patients.
Pennsylvania has some of the country’s best doctors and medical facilities, but mistakes and negligence can happen anywhere. The American Medical Association found that more than 30% of physicians report being sued for malpractice at some point during their careers.
Suppose you or your family member suffered a serious illness, injury, or untimely death because of a medical mistake or negligence. In that case, the medical malpractice lawyers at Munley Law can help you understand your rights under state law. Call today to schedule a free consultation. […]
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Premises Liability Lawyers
Injured on Another’s Property? Munley Law Can Help.
Everyday places – grocery stores, gyms, even friends’ houses – can be potential accident zones. If you were injured because of a hazard on someone else’s property, you can hire a premises liability lawyer to pursue compensation.
For more than 60 years, the personal injury lawyers at Munley Law have successfully pursued premises liability claims for injured victims. Whether you were injured in a slip and fall accident at a restaurant, attacked by a neighbor’s dog, or involved in a situation even more complex, a Munley premises liability attorney can protect your rights and recover compensation for your losses.
What Is Premises Liability?
Premise liability is a legal concept that holds a property owner liable for any injuries a person sustained while on their property. All property owners have a duty of care to:
- Maintain reasonably safe conditions for patrons
- Warn patrons of unsafe conditions
- Repair unsafe conditions promptly
Here’s an example: The local grocery store has a giant puddle of water in one of the aisles. […]
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Slip and Fall Attorney
Our Slip and Fall Attorney is Here to Help
As the victim of a slip and fall accident, you may be entitled to compensation. If the fall wasn’t your fault, a slip and fall accident lawyer can help you recover costs associated with your injury, including medical bills, lost wages, and even pain and suffering.
Don’t wait – the sooner you speak with a Munley Law slip and fall lawyer, the sooner you can begin recovering financial compensation. Schedule your free consultation today and take the first step to getting your life back on track.
What is Premises Liability?
Premises liability is a law that holds property owners accountable for any dangerous conditions on their property, whether it is a grocery store, an apartment building, or a single-family home. A property owner is responsible for keeping their property reasonably safe for visitors. […]
