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 Are the Common Causes of Truck Accidents in Easton, PA?
The consequences can be devastating when a massive commercial truck collides with a smaller passenger vehicle. A truck accident can have swift and long-lasting effects on your life.
Understanding the causes of truck accidents in Easton is important for both prevention and seeking justice. If you’ve been the victim of a truck crash and plan to make a truck accident claim.
At Munley Law, our team of experienced Easton truck accident attorneys has seen firsthand the devastating effects of truck accidents. We are dedicated to helping Easton and Pennsylvania victims seek the compensation they deserve. If you or a loved one has been injured in a truck accident, please call or message us for a free case evaluation.
What Causes Truck Accidents to Occur in Easton, PA?
Some of the most common causes of truck accidents in Easton include:
- Driver Fatigue: Truck drivers often face tight deadlines, […]
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What Kind of Compensation Can You Receive For a Lyft Accident in Easton?
Car accidents can be traumatizing experiences, leaving accident victims with both serious physical injuries and immense emotional distress. They can also be expensive: medical expenses, lost wages, property damage, and more can pile up after a car accident, adding a financial burden to an already stressful situation.
The situation takes on another layer of complexity if you have been in a Lyft car accident. When a large company like Lyft is involved, what does the legal process look like? How can you receive compensation for your losses? And when you do, what kind of compensation will it be? It’s important to speak with an Easton Lyft accident lawyer to learn what compensation is available following a Lyft accident in Easton.
How Much Compensation Could I Receive in a Lyft Accident?
There is no way to provide an accurate compensation estimate without knowing the case details, […]
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Bethlehem Cerebral Palsy Lawyer
Three out of every 1,000 births in the United States will result in a baby being diagnosed with cerebral palsy. Sometimes, a child will develop cerebral palsy in the womb due to the brain not developing properly. Other times, cerebral palsy can be caused by medical negligence during the delivery process.
If your child was diagnosed with cerebral palsy as a result of medical malpractice, the Bethlehem PA, cerebral palsy attorneys of Munley Law can guide you through the legal process and help you get compensation for your child’s medical needs.
What is Cerebral Palsy?
Cerebral palsy is a group of neurological disorders that impact a person’s movement, balance, and posture. For some people with cerebral palsy, it can also cause intellectual disabilities, seizures, vision, hearing or speech loss, and spine and joint problems. Cerebral palsy is caused by abnormal brain development or brain damage. […]
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Distracted Driving Accident Lawyer
If you have been in an accident caused by a distracted driver, contact a distracted driver accident lawyer at Munley Law. Distracted driving is dangerous behavior and one of the leading causes of severe and deadly car accidents across the country. Across the United States, legislators have begun acknowledging the dangers of distracted driving.
Distracted driving is nothing new. Since the advent of vehicles, drivers have been distracted by sights and sounds from the outside– billboards, reading bumper stickers, the actions of other drivers and pedestrians, and more. Unfortunately, the problem isn’t going away, and with the introduction of constantly changing technology, it is only getting worse.
Distracted driving is one of the most common reasons for traffic injuries and fatalities. In 2021, 3,522 people (drivers, pedestrians, passengers, and bicyclists) died due to distracted driving accidents, according to the National Highway Traffic Safety Administration (NHTSA). […]
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Pennsylvania Pedestrian Accident Lawyer
Pedestrian accidents can occur unexpectedly, leaving victims with severe injuries and mounting medical bills. In bustling cities like Philadelphia and Pittsburgh and quieter towns like Scranton and Wilkes-Barre, the risk of pedestrian accidents is ever-present so you may need a Pennsylvania pedestrian accident lawyer.
The aftermath of a pedestrian accident can be overwhelming. That’s where we come in. At Munley Law, we understand the challenges you face, and we are dedicated to providing compassionate support and expert legal guidance to accident victims for pedestrian accident claims throughout Pennsylvania.
If you’ve been injured in a pedestrian accident, don’t wait to seek help. Contact an experienced pedestrian accident lawyer at Munley Law today to discuss your case and start your journey toward justice and recovery.
What Are a Pedestrian’s Rights in Pennsylvania?
Under Pennsylvania law, pedestrians have certain rights and protections. A pedestrian hit by a car or truck automatically assumes the benefits of full tort insurance, […]
