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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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, […]
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Williamsport Bus Accident Lawyer
If you or a loved one has been involved in a bus accident in Williamsport, you understand confusion and distress. Seeking the right legal assistance is crucial. As experienced Williamsport bus accident lawyers, we are here to guide you through every step of the legal process if you were injured in a bus accident as a bus passenger, the occupant of another vehicle, a pedestrian, or a cyclist. Contact Munley Law Personal Injury Attorneys today for a free, no-obligation consultation.
What Causes a Bus Accident in Williamsport?
Bus accidents in Williamsport can occur due to a variety of reasons. Understanding these causes is essential in determining liability and seeking justice. Common causes include:
- Driver Negligence: The negligent actions of either the bus driver or another car driver can involve distracted driving, fatigue, or failure to adhere to traffic laws. […]
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Working with Insurance Companies: Tips from Scranton Personal Injury Lawyers
Choosing a Personal Injury Lawyer is Crucial
Personal injury cases are made up of many factors, often weaving together medical, legal, and insurance intricacies. Navigating this maze requires legal expertise and a nuanced understanding of local regulations and practices.
A Scranton personal injury attorney brings a familiarity with the region’s legal landscape, ensuring that clients have the best possible representation.
Every personal injury case is unique, reflecting the individual circumstances and impacts of the accident. By choosing a Scranton personal injury attorney, clients benefit from access to tailored strategies that address the specific nuances of their case, positioning them to best negotiate on their behalf and maximizing the chances of a fair settlement from the insurance company.
Our Personal Injury Attorneys Know Scranton
The aftermath of an accident can be a tumultuous period even if you are insured, […]
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