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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Who Determines Fault in a Car Accident?
Parties Who Determine Fault in Car Accident
If you’ve been injured in a car accident, one of the first things you might think is “That was not my fault!” Once the immediate stress of the accident wears off you might start wondering, “But how do I prove that? Can I prove that? Who actually determines the fault in a car accident?” Fault is not necessarily decided by one party. Rather, the police report, your insurance company, and sometimes the other driver play a role in determining fault in car accidents.
In order to recover compensation for damages in an auto accident, you should consult an experienced car accident lawyer. The team at Munley Law Personal Injury Attorneys has decades of experience helping the victims of car accidents and we’re here to offer a free consultation and free case review today. […]
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What is Uninsured Motorist Coverage, and Do I Need it?
We drive a lot. It’s a daily act that becomes almost mundane, but being on the busy roads at any time of day brings you into close contact with literally hundreds of other drivers and vehicles.
Many of these hundreds of drivers are distracted by hundreds of things. An accident can happen in a split second. How confident are you that these drivers have sufficient or any car insurance policy?
Uninsured motorist statistics
If you’re the victim of a collision with an uninsured driver, or with a driver who has very little auto insurance coverage, you could be responsible for the entire financial burden of a car crash.
According to a 2021 study by the Malvern, Pennsylvania-based Insurance Research Council (IRC), 13 percent of motorists, or about one in eight drivers nationwide, is uninsured. […]
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Multi-Vehicle Accident Lawyer
If You Were Injured in a Multi-Vehicle Accident, Munley Law Personal Injury Attorneys is here to Help
Multi-vehicle accidents, also known as pile-ups or chain reaction crashes, can be extremely destructive, traumatic events. Getting into a car accident with another driver is always stressful and a scary experience. But an accident involving multiple cars, trucks, or buses can be especially devastating. These types of accidents can cause serious damage, life-threatening injuries, and lasting trauma. What’s more, they tend to be legally complex, and present unique challenges when it comes to determining liability. In order to receive fair compensation for your injuries, you will need a highly skilled injury lawyer with experience handling multi-vehicle car accident cases.
Whether you were in a three-vehicle crash on a city street or a massive pileup on the highway, an experienced car accident attorney at Munley Law Personal Injury Attorneys is ready to help you with your claim. […]
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Car Accident Lawyer in Ohio
The trauma of experiencing an accident doesn’t end once you leave the scene. We know that the mental, emotional, physical, and financial impact of a car accident can follow you for a very long time. It can all feel isolating and overwhelming, whether it’s you or someone you love carrying the weight and experience of your accident. In 2020 alone, Ohio saw 1,154 fatal car accidents, and 1,230 total traffic fatalities; there are, of course, thousands more accidents every year that are non-fatal but still traumatizing.
We at Munley Law Personal Injury Attorneys know how hard the aftermath of an accident can be, and we are here to help you navigate a way through it. Don’t take this on alone: allow us to help so that you can focus on your recovery. Our highly experienced and compassionate lawyers are standing by and are ready to begin fighting for you at any time. […]
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Nursing & Medical Assistant’s Workers’ Compensation Lawyer
All work comes with its own unique set of risks and challenges, whether those are mental, physical, emotional, or some combination of all three. But nowhere are the risks and challenges more clear than in the healthcare field, where nurses and medical assistants often work 12 hour shifts that are both physically grueling and emotionally exhausting.
In fact, a 2016 study found that 5 percent of occupational injuries to RNs resulted in sprains, strains, or tears, and that these injuries occurred at a rate of 53.1 cases per 10,000 full-time workers. This rate is noticeably greater than the rate for all occupations as a whole (32.6 cases per 10,000 workers). Because people who work in nursing and medical assistance are at such a substantial risk of injury, it’s crucial that those in this industry are aware of their legal rights to workers compensation.
If you or a loved one has experienced an occupational injury or disease while working as a nurse or medical assistance, […]
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