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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New York Car Accident Lawyer
Work with an Experienced New York Car Accident Attorney
In New York state, there are an average of 1,098 traffic accident related deaths every year; in fact, car accidents are the leading cause of injury-related death for New Yorkers. Beyond that, more than 12,000 New Yorkers are hospitalized annually for injuries from traffic accidents; this means that 61.5 out of every 100,000 people in the state are hospitalized for this reason each year. Car accidents are a harrowing experience for anyone involved, and PTSD is a common result of experiencing a serious accident. The physical, mental, emotional, and financial toll of a car accident cannot be overstated.
The good news, however, is that you don’t have to go it alone. If you or a loved one has been in a car accident in New York, you may be overwhelmed by an endless stream of questions: Will my insurance cover this? […]
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Can a Passenger Sue Both Drivers?
Filing a Claim as a Passenger in a Car Accident
If you have been injured in an accident, you probably have a lot of questions about your car accident case, and depending on the incident, one of them may be, “Can a passenger sue both drivers?”
When a car accident takes place, an investigation will occur in order to assign fault. Insurance companies will review the data and police report and come to a determination. Sometimes, it is a single driver who is found to be negligent and at fault; perhaps they were driving drunk or made a reckless decision.
Let an experienced motor vehicle accident lawyer at Munley Law help answer your questions today with a free consultation.
When Multiple Drivers are Involved in a Collision
Other times, two or more drivers involved can be found at fault in a car accident, […]
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What to Do After a Bike Accident in Reading
If you are involved in a bike accident in Reading, contact a Reading bicycle accident attorney who can provide free consultation on a potential claim and help you get reasonable compensation as quickly as possible. It is important to know the appropriate steps to maintain personal safety and preserve one’s rights in court.
What Should You Do Following a Bicycle Accident?
To avoid further injury, Try to get to a safe location. Ensure you are alright, and seek medical care and immediate medical attention for everyone involved.
If someone is injured or has substantial property damage, quickly inform the police. Obtain a duplicate of the police report.
Share your contact and insurance information with the other parties involved, including drivers, passengers, and witnesses. Make a point of noting the vehicle’s color and license plate number. […]
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Personal Injury Glossary Terms
This glossary provides a quick-access resource for looking up definitions of terms you will likely encounter while seeking compensation.
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W
A
Accident Report — A detailed official record of an incident created on-site by an authority figure such as a police officer or hospital staff member.
Act of God — An unforeseen event caused by natural forces without human involvement that couldn’t have been prevented with reasonable care, […]
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Can I still pursue a claim if the hit and run driver is never found?
In Pennsylvania, hit and run accidents are an unsettling concern for drivers and pedestrians alike. The prevalence of hit and run accidents makes Pennsylvania residents question the safety of our roads. Every year, numerous individuals become victims of these incidents, and beyond the immediate trauma, they are left grappling with overwhelming emotional distress and mounting financial burdens.
These accidents don’t just leave physical scars; they imprint deep emotional wounds. This is magnified when the victim does not know who the culprit is and cannot bring them to justice. For many, medical bills pile up, wages are lost, and car repairs become an unforeseen expense, creating a spiraling impact on personal finances. As you are going through this storm, an urgent question lingers: Can you still pursue a claim if the at-fault driver remains unidentified?
Legal Perspective on Hit and Runs in Pennsylvania
In Pennsylvania, […]
