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 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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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, […]
