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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Hazleton Workers’ Compensation FAQ
Questions for a Hazleton Workplace Injury Lawyer
Workplace injuries are an unfortunate risk and reality for employees across all sectors. A city like Hazelton in particular poses an immense risk of workplace injury, due to the prevalence of warehouse jobs such as those at Amazon, UPS, Frito-Lay, and more. In a warehouse, the risk of something like a forklift-related injury alone is enough to make anyone nervous.
If you or a loved one has sustained a workplace injury, we are deeply sorry for your trauma. The good news is that. But we’d also like to assure you that there is help to be found, and that you may eligible to receive workers’ compensation. We understand that you, like many others, may be overwhelmed by this complex system and unsure where to start. You may also be nervous about consequences that could come from entering a potential legal battle with your employer. […]
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Hazleton Warehouse Workers’ Compensation Lawyer
Getting hurt at work is always a possibility, but of course, it’s far more likely at some jobs than others. Unfortunately, warehouse workers are at a high risk of sustaining an injury on the job. With so much equipment and heavy machinery in use at a single location, the odds of an accident inevitably rise. And advances in technology are not necessarily making things safer; in fact, Amazon warehouses in particular boast higher injury rates than most other warehouses of their kind. In 2020, Amazon warehouses in Pennsylvania reported 7.2 serious incidents for every 200,000 hours worked (a length of time that equates to 100 employees working full time for a year). This is nearly double the rate of other companies in the same state.
With all the dangers present in a warehouse, it’s crucial that employees understand their rights to workers compensation. This is especially true for residents of Hazelton, […]
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What Happens if the At-Fault Party Doesn’t Have Car Insurance?
What to Do In Car Accident with Underinsured or Uninsured Motorist
You may be asking yourself, If I’m involved in a car accident, and the at-fault driver doesn’t have car insurance, what happens to me? In Pennsylvania, that answer largely depends on the type of insurance coverage you have, including underinsured motorist coverage. Typically, however, you can file a compensation claim with your own insurance company or file a personal injury or car accident lawsuit against the other driver.
Pennsylvania Drivers Are Required to Carry Insurance
In Pennsylvania, drivers are required to carry insurance coverage. Known as no-fault or Personal Injury Protection (PIP) coverage, no matter who is at fault in the accident, the initial medical bills are covered by your own insurance company, […]
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Bicycle accidents and auto insurance in Pennsylvania
Munley Law Personal Injury Attorneys personal injury lawyers explain: bicycle accidents and auto insurance
What if you were involved in a bicycle accident in Pennsylvania and suffered a serious injury? If your bicycle was hit by a motorized vehicle, whose insurance company is responsible – yours or the motor vehicle drivers? What if no one was at fault? Can you file an insurance claim or a lawsuit requesting reimbursement for pain and suffering resulting from a bicycle accident? Auto insurance in Pennsylvania offers both full tort and limited tort policy choices. What does that mean? How does it apply to bicycle accident coverage?
Accidents involving bicycles happen all too frequently. It pays to be aware of the details of how insurance coverage works. But the issue can become complex in many cases. Hiring a Pennsylvania bicycle accident lawyer can help you receive the benefits you deserve if you are a victim of an injury caused by an accident that happened while riding your bicycle. […]
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RV Accidents in Pennsylvania
Summer Travel: RV Accidents in Pennsylvania
RVing is a culture popular with residents of Pennsylvania. Some people acquire RVs for occasional use, such as summer holidays or weekend trips, while others prefer cruising with these vehicles all year long. Sadly, accidents involving RVs often lead to catastrophic injuries, thanks to the vehicles’ enormous sizes and mass. If you are involved in an RV accident in Pennsylvania, an experienced auto accident lawyer can help you determine what to do next.
Although many RV operators are usually careful when cruising with these big machines, some just lack the skills and attention needed to enhance safety. This poses a significant danger to motorists, bystanders, and pedestrians who may end up with serious injuries, permanent damage, or in worst-case scenarios, loss of life.
Our RV accident attorneys are committed to helping residents of Pennsylvania who have been victimized by the poor decision of others obtain fair compensation. […]
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