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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$12 Million Bad Faith Insurance Action
Munley Law obtained a jury verdict of $12 million for our client, who was badly injured at work when a forklift struck her.
The forklift was retrofitted with a faulty alarm system and had backed up without warning, striking her. The accident resulted in the amputation of her left leg.
The company that sold her employer the forklift was notified, as was their insurance company. The insurance company claimed a lack of coverage and refused to cover the associated costs of the accident but gave no notice to the insured.
As a result of the accident, Munley Law sued the company that sold her employer the forklift and the forklift seller’s insurer for bad faith. The case went to trial, revealing that the employer had purchased the forklift at resale and was informed by the seller that its backup alarm was missing. […]
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Can Parents Be Held Liable for Their Teen’s Car Accident?
When your teenager starts driving, it opens up a new world of independence for them – and a new realm of responsibility for you as a parent. If your teen is involved in a car accident, you could find yourself legally and financially liable for any injuries or property damage they cause.
Parents should understand that teens face higher risk of motor vehicle crashes due to their inexperience and tendency toward distraction. And if your teen does get into a car accident, it can have serious implications for your entire family’s financial future.
Why Teens Pose an Increased Risk for Car Accidents
Statistics consistently show that teenage drivers have higher accident rates than any other age group. In fact, motor vehicle crashes are among the leading causes of death for teenagers aged 16-19. Statistically, the motor vehicle crash death rate for male drivers ages 16–19 years is three times as high as the death rate for female drivers in the same age group. […]
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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, […]
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