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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Wilkes-Barre Drunk Driving Accident Lawyer
If you or a loved one has suffered injuries of any kind from a drunk driving accident in Wilkes-Barre, PA, a Wilkes-Barre drunk driving accident attorney can help you get the compensation you deserve. While we can’t undo the pain or the damage you’ve endured, we can stand on the frontlines of your fight for justice. We will work tirelessly to ensure that you are fairly compensated for what you’ve been through.
Don’t wait: if you or a loved one has been in a serious car accident in Wilkes-Barre, particularly one involving an alcohol-impaired driver, reach out to a Wilkes-Barre car accident lawyer at Munley Law today. You are always entitled to a free case evaluation, and we are ready and waiting to take your call.
What Are the Legal Consequences of an Intoxicated Driving Accident in Wilkes-Barre?
Drunk driving is an illegal action in all 50 states, […]
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Allentown Rideshare Accident Lawyer
The Allentown rideshare accident lawyers at Munley Law Personal Injury Attorneys have handled all types of car accidents in the Lehigh Valley since 1959. When you have been injured in an accident involving a driver for a major rideshare company, you need top-tier lawyers familiar with rideshare insurance rules. We represent rideshare passengers, pedestrians, bicyclists, and other drivers hit by an Uber or Lyft driver.
An experienced Allentown Lyft or Uber rideshare lawyer will fight on your behalf to help you get the compensation you deserve. Call today for a free, no-obligation consultation with an injury lawyer. We will review the details of your claim at no charge, and there is no fee for our services unless we win your case.
What To Do After An Allentown Rideshare Accident
If you have been in an auto accident as a passenger in an Uber or Lyft, […]
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Scranton Bus Accident Lawyer
A Scranton bus accident lawyer can help you understand what you need to do following a bus accident and fight to get you the compensation you deserve. Munley Law has decades of experience winning cases against commercial transportation companies, including bus lines. Since 1959, our law firm has represented people in Scranton and Lackawanna County when it mattered most. Let us put our unparalleled experience and knowledge to work for you.
Buses of all kinds operate in Scranton – tour and charter buses, C.O.L.T.S. buses, school buses, and commercial buses all traverse the city’s streets and surrounding highways. After a bus crash, knowing where to turn for help in getting the medical care and financial compensation you need can be challenging.
The consultation is free, and we don’t get paid unless we win your case.
Types of Bus Crashes Our Scranton Bus Accident Attorneys Handle
Not all personal injury lawyers in Scranton are equipped to handle a bus crash. […]
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