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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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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Wilkes-Barre Workers’ Compensation: Specific Loss Benefits
Our Wilkes-Barre Workers’ Compensation Lawyer Can Help You With Your Claim
Did you know that for certain work injuries that result in the loss of a body part or organ or permanent disfigurement, there is a special financial compensation payable to the injured worker that is separate from general Pennsylvania workers’ compensation?
If you have suffered an on-the-job injury that resulted in serious and permanent disfigurement, loss of a limb or body part such as a hand, leg, or eye, or loss of the use of a body part or organ you may be eligible to collect specific loss benefits. You want a Wilkes-Barre workers’ compensation lawyer from Munley Law in your corner.
What Are Specific Loss Benefits?
While workers’ compensation insurance pays for your medical expenses for treatment of your work-related injury and lost wages, […]
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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. […]
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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, […]
