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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Can I Still Pursue a Hit and Run Car Accident Claim If the Driver is Never Found?
In Allentown, hit and run accidents are unsettling for drivers and pedestrians alike. The prevalence of hit and run accidents makes Allentown 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 the culprit and cannot bring them to justice. For many, medical bills pile up, wages are lost, and car repairs become an unforeseen expense, potentially impacting personal finances. As you go through this storm, an urgent question lingers: Can you still pursue a claim if the at-fault driver remains unidentified?
What is a Hit and Run Car Accident?
A hit-and-run car accident, or a “leaving the scene” […]
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How to ensure that you get a fair uninsured motorist settlement in Philadelphia
Leveraging the expertise of your Philadelphia car accident lawyer
Navigating the aftermath of an accident with an uninsured motorist in Philadelphia can be overwhelming. While the City of Brotherly Love has its unique charm, the intricacies of its legal system require specific understanding and strategy. Ensuring a fair settlement involves a combination of knowledge about local laws, meticulous documentation, and proactive advocacy. Navigating claims after an accident can be challenging, especially with uncooperative insurance companies. With over six decades of experience, Munley Law Personal Injury Attorneys advocate fiercely for clients, ensuring rightful compensation and accountability from at-fault drivers; contact us today for a free case evaluation.
Understand Pennsylvania’s Uninsured Motorist Laws
In Pennsylvania, auto insurance is a legal requirement to ensure that every driver can cover the costs if they cause harm to others on the road. Yet, despite these mandates, some drivers remain uninsured. […]
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How much is my uninsured motorist claim worth in Philadelphia?
In the bustling streets of Philadelphia, car accidents are an unfortunate reality that many residents face. What’s even more concerning is the presence of uninsured motorists who add an additional layer of complexity to an already stressful situation. If you’ve been involved in a car accident with an uninsured driver in the City of Brotherly Love, you’re not alone in wondering, “How much is my uninsured motorist claim worth in Philadelphia?”
Navigating the intricacies of uninsured motorist claims in Philadelphia requires a deep understanding of local laws and regulations. This is where the expertise of a Philadelphia car accident lawyer becomes invaluable. At Munley Law Personal Injury Attorneys, we’ve been serving the Philadelphia community for years, and we specialize in handling uninsured motorist claims.
Our team is well-versed in the unique aspects of Philadelphia’s legal landscape, ensuring that our clients receive the guidance and representation they need during these challenging times. […]
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Can I Sue Uber for Emotional Distress After an Accident?
Picture this: It’s Saturday night and you are leaving your favorite local restaurant. You plan to Uber back home after meeting up with friends. You book a car, and within no time, your Uber is waiting for you. All seems well until your Uber driver starts to exhibit signs of reckless driving. He’s speeding, being aggressive toward other drivers, and leaving you feeling uneasy. Then it happens, you’re in a car accident. Not only do you have physical injuries, but emotional trauma as well.
With more Americans opting for rideshare transportation, it’s no wonder that we’re seeing services like Uber and Lyft accounting for a percentage of total traffic accidents and fatalities. In a 2018 study by the University of Chicago and Rice University, it was found that rideshare services such as Uber and Lyft actually make up a two to three percent increase in traffic fatalities since 2011. […]
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What Types of Compensation Can I Pursue in a Hit and Run Case in Pittsburgh?
Hire a Pittsburgh hit and run car accident lawyer to maximize the compensation that you receive and are entitled to
Pittsburgh, often regarded as the “Steel City,” boasts iconic landmarks such as the Point State Park fountain and the historic Phipps Conservatory. The city’s rich industrial past sits alongside a vibrant arts scene and historic neighborhoods. However, like many urban areas, Pittsburgh is not immune to hit and run incidents that can disrupt the peace and safety of its residents. In such situations, retaining a reputable firm like Munley Law becomes essential to navigate the legal landscape and ensure victims receive the justice they deserve. If you’re a victim of a hit and run in Pittsburgh, securing a knowledgeable lawyer is crucial to ensure you receive proper compensation for damages and injuries sustained.
