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 Most Common Motorcycle Accidents in Pittsburgh, PA?
Various factors influence the most common motorcycle accidents in Pittsburgh. In big cities like Pittsburgh, where there are many cars, busy streets, and drivers who might not pay attention, riding a motorcycle can be more dangerous. The roads are often crowded, making it hard for drivers to see motorcycles, and sometimes people are distracted by phones or other things while driving.
After a motorcycle accident in the Steel City, you will need the assistance of a Pittsburgh motorcycle accident lawyer to help you with your claim. Contact Munley Law today to schedule a free consultation.
What Are the Most Common Pittsburgh Motorcycle Accidents?
The most common Pittsburgh motorcycle accidents include the following:
- Intersection Collisions: Pittsburgh, like pretty much all urban areas, has numerous intersections where vehicles of all types converge. Motorcycles can be especially at risk at these intersections because they might be harder for drivers of bigger vehicles to see. […]
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Pennsylvania Motorcycle Accident Lawyer
Motorcycle riders are some of the most vulnerable people on the road. When drivers don’t safely share the road with bikers, the consequences can be devastating. Because motorcycles are smaller than cars, they can be easily missed in a driver’s blind spot. And, without any physical protection from the impact of a crash, the injuries can be life-altering. If someone else’s negligence caused you to suffer serious injuries, the Pennsylvania motorcycle accident lawyers at Munley Law can help make things right.
Start with a no-obligation consultation to discuss your case and understand your rights and options. Munley Law operates on a contingency fee basis, meaning you pay nothing unless we win your case.
How Often Do Motorcycle Accidents Occur in Pennsylvania?
There are more than 794,000 registered motorcyclists in the Commonwealth of Pennsylvania.
According to the National Highway Traffic Safety Administration (NHTSA), […]
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What is the Most Common Cause For Motorcycle Accidents in Philadelphia?
Philadelphia is an exciting city to experience while riding a motorcycle. However, one must also be aware of the common causes of accidents and what makes for safe precautions and practice. The causes of motorcycle accidents include distracted drivers, lane-splitting, speeding, and dangerous road conditions, among others; however, distracted driving is amongst the most common, and it is often instigated due to a host of other reasons. By avoiding these negligent acts and being cautious, motorcycle riders can find safe rides on the streets of Philadelphia. The most important step to achieving these safety measures is understanding their main causes.
What Are the Common Causes of Motorcycle Accident Crashes in Philadelphia?
Due to factors such as traffic congestion, distracted drivers, poor road conditions, and inclement weather, drivers in Philadelphia face a unique set of challenges. Approximately 64% of motorcycle fatalities happen in urban settings, […]
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Drowsy Driving Accident Lawyers
Drowsy Driving Accident Attorneys
If you have been injured in a vehicle accident caused by a drowsy driver, our drowsy driving accident lawyer is ready to help. You may be entitled to recover damages that include medical costs, property loss, lost wages, and pain and suffering. It’s essential to have a top personal injury law firm to help you with your claim. For more than 60 years, the lawyers at Munley Law have been assisting clients with their claims. We can provide you with a free, no-obligation consultation on your case, and we will fight to get you the justice and compensation you deserve.
How Dangerous is Drowsy Driving?
Drowsy driving occurs frequently because sleep deprivation has become an increasingly common problem. People often begin their morning work commute after a poor night’s sleep – and those driving long distances usually push themselves to go greater distances without breaks. […]
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The Importance of Legal Representation After a Bethlehem Pedestrian Accident
Pedestrian accidents can be physically and financially devastating to victims and their families, making it important to secure legal representation for your Bethlehem pedestrian accident case right away. With a Bethlehem pedestrian accident lawyer from Munley Law, you will have a professional legal team to go up against the insurance company or the negligent driver so you can focus on your health.
As a pedestrian, you have rights. Call Munley Law following your accident to begin the legal process.
How Often Do Pedestrian Accidents Occur?
In 2022, the Pennsylvania Department of Transportation (PennDOT) reported 3,160 pedestrian injuries and 184 fatalities, representing nearly three percent of all reported traffic incidents and more than 15 percent of fatalities.
Both victims and their families can benefit from retaining a pedestrian accident attorney early on, as data shows that personal injury victims who secure legal help get more compensation than victims who do not. […]
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