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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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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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, […]
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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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