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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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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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. However, the system does require you to follow very specific rules in order to make a claim or receive your due successfully. […]
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Pennsylvania Car Insurance Requirements
If you suffer a car crash in Pennsylvania, the right car insurance can make all the difference
Follow these tips from the nation’s leading car and truck accident lawyers
In truth, nobody wants to think that they will ever crash their car. We all think it can’t happen to us. However, the Centers for Disease Control & Prevention (CDC) reports that there are 6 million motor-vehicle accidents in the United States every year. Of that 6 million crashes, 3 million Americans suffer serious injuries. Over 36,000 drivers and passengers die each year. Pennsylvania drivers must carry car insurance by law. However, choosing the right auto insurance is a whole separate matter. In the event of a catastrophic automotive crash, the right auto insurance can make all of the difference. To help you choose the type fo car insurance that is right for you, […]
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