What is the Insured?
The Insured is, “The person who obtains insurance on his property, or upon whose life an insurance is effected.” (Black’s Law Dictionary 946. 4th Ed. Rev. 1968). This definition does not necessarily include health insurance, in which the insured makes payments in exchange for protections from medical costs, such as hospital visits, hospital stays, and medications. The insured may also be an entity such as a business, rather than just an individual person. It is important not to confuse the insured with the insurer. The insured is the party that receives insurance, while the insurer is the party that offers insurance.
The payments that the insured must pay to the insurer are known as premiums. The insured is legally bound to paying premiums on time and adhering to any other terms of the insurance policy. If they do this, they can file claims with their insurer when the suffer a covered loss or event, and the insurer will reimburse them for the damages or expenses up to the specified policy limit. For example, a homeowner may purchase an insurance policy to cover against property damage, theft or liability claims on their home. Someone with auto insurance may do the same for their car.
Cases such as Kierce v. Lumbermen’s Ins. Co outline who the insured is in an insurance claim and their rights as policyholders. If the insurer does not hold up their end of an insurance policy, the insured may be able to pursue legal action against them.
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Allentown Workers’ Compensation Attorneys
When your livelihood is at stake, you need an Allentown workers compensation lawyer with a proven record of winning maximum settlements. For 65 years, Munley Law has been helping Lehigh Valley workers recover benefits to pay for their medical bills and lost wages.
Our workers’ compensation attorneys know every tactic insurance companies use to avoid paying claims. We’ve helped thousands of workers like you, and we’re ready to put our experience to work for you today. At Munley Law, we don’t just handle your case – we fight relentlessly to maximize your benefits.
Don’t wait another day. Get a free consultation with our experienced workers’ compensation attorneys in Allentown. Call now, chat live, or fill out our contact form. Remember: You pay nothing unless we win your case. Hablamos Espanol.
Serving Allentown’s Major Industries
As the third largest city in Pennsylvania, […]
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Do I Need Workers’ Compensation if I’m Self-Employed in Pennsylvania?
Whether you’re running a small construction company in Philadelphia or working as a freelance consultant in Pittsburgh, you need to understand Pennsylvania’s workers’ compensation requirements. Knowledge is essential for protecting both your organization and your personal well-being. Many self-employed professionals believe they can opt out of workers’ compensation coverage, but workers’ comp insurance is not that simple.
If you run a organization with no other employees, workers’ comp coverage is generally optional for you. However, as soon as you hire one employee, Pennsylvania state laws generally requires you to maintain workers’ comp The Pennsylvania Workers’ Compensation Act provides coverage requirements for all employers. Requirements can vary by industry, organization structure, and whether you work with subcontractors.
Contractors should also consider the impact of an accident. A single workplace injury without proper coverage could result in substantial medical bills and lost income, […]
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Are Electric Scooters Legal In Pennsylvania?
Electric scooters, or e-scooters, have quickly become a popular mode of transportation on the roadways of many busy U.S. cities. They’re convenient, affordable, and an eco-friendly alternative to cars. Like e-bikes, companies like Lime and Bird provide low-speed e-scooter-sharing services in cities worldwide. But while electric scooters are legal in many other places, Pennsylvania has needed to catch up in getting on board.
Current Legal Status of Electric Scooters in Pennsylvania
Right now, Pennsylvania state law has strict rules regarding e-scooters. Pennsylvania has some hurdles, unlike some states, such as California, Texas, and Washington, where you can easily rent or own one and ride freely.
Pilot programs in some cities
Pilot programs in some citiesCertain cities in Pennsylvania have started pilot programs to evaluate the potential impact of electric scooters, even though they still need to be fully legalized statewide. In places like Pittsburgh, companies can offer electric scooter rentals under strict rules and local laws that help city governments understand how scooters affect safety, […]
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Stroudsburg Truck Accident Lawyer
Munley Law’s experienced Stroudsburg truck accident lawyers have the knowledge and experience to get you the compensation you deserve for the injuries you sustained in a truck crash. An accident involving an 80,000-pound truck is one of the most terrifying things that can happen to anyone on the road. Your injuries can devastate your physical health, keep you out of work, and even render you permanently disabled. These damages can be costly, but you shouldn’t have to bear them alone. As the injured victim, you have rights. Let our Stroudsburg truck accident lawyers handle the legal hurdles so that you receive proper compensation for your injuries. Contact us today to schedule a free consultation.
How a Truck Accident Lawyer in Stroudsburg Can Help
Commercial trucking accident cases present different challenges than run-of-the-mill car accidents. Multiple parties, such as the trucking company, […]
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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. […]
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