What is an Insurer?
An Insurer is, “the underwriter or insurance company with whom a contract of insurance is made.” (Black’s Law Dictionary 946. 4th Ed. Rev. 1968). It is important not to confuse the insurer with the insured. The insurer is the party offering insurance, while the insured is the individual who receives insurance (the policyholder). Usually the insurer is an insurance company.
Insurers usually have a pool of policyholders at any given time. Insurers draft policies and agree to terms with policyholders. When a policyholder experiences a loss covered by the policy, they file a claim with the insurer. The insurer reviews the claim and covers the loss if it meets the policy’s terms.
Insurers are subjected to legal obligations. They, like the policyholders, are legally bound by insurance contracts. They are also regulated by government agencies, which serve to make them operate legally and fairly. If an insurer fails to process claims fairly, unreasonably denies claims, or delays payments, it may be acting in bad faith. Policyholders can take legal action against insurers for such practices.
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$12 Million Bad Faith Insurance Action
Munley Law obtained a jury verdict of $12 million for our client, who was badly injured at work when a forklift struck her.
The forklift was retrofitted with a faulty alarm system and had backed up without warning, striking her. The accident resulted in the amputation of her left leg.
The company that sold her employer the forklift was notified, as was their insurance company. The insurance company claimed a lack of coverage and refused to cover the associated costs of the accident but gave no notice to the insured.
As a result of the accident, Munley Law sued the company that sold her employer the forklift and the forklift seller’s insurer for bad faith. The case went to trial, revealing that the employer had purchased the forklift at resale and was informed by the seller that its backup alarm was missing. The seller agreed to put an alarm on the forklift, […]
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YORK COUNTY — Man Killed in Car Accident with Tractor-Trailer
PARADISE TOWNSHIP (March 21, 2025) —— A man died after a head-on collision with a tractor-trailer in York County on Thursday, March 20.
The driver was reportedly driving westbound but drifted across the lane divider into the eastbound lane. He then crashed into a truck at the intersection of Lake Road in Paradise Township. The crash occurred around 12:50 a.m., according to the York Coroner’s Office.
At this time there are no reports on the status of the truck driver.
All roads have reopened. Pennsylvania State police continue to investigate.
Fatal Car Accidents with Tractor-Trailers in Pennsylvania
Navigating the aftermath of a fatal car accident requires specialized legal knowledge. Insurance companies often attempt to minimize payouts, even in tragic circumstances. Truck accidents often involve multiple potentially liable parties, including the truck driver, trucking company, cargo loaders, […]
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Cranberry Township Workers’ Compensation Lawyer
Injured at work in Cranberry Township? Know your rights and entitled compensation. The Munley Law Cranberry Township workers’ compensation lawyers help clients secure medical care and wage loss benefits after workplace accidents.
For 65 years, we’ve handled cases from back injuries to catastrophic accidents across Butler County’s manufacturing plants, warehouses, construction sites, and healthcare facilities.
Pennsylvania law entitles you to benefits covering medical bills and lost wages during recovery. Insurance companies often deny valid claims or terminate benefits prematurely.
Our attorneys understand insurers’ tactics to minimize claims and counter with strong evidence and medical documentation to protect your rights.
We’ve secured millions in benefits for injured workers throughout Western Pennsylvania. Contact Munley Law today for a free consultation with our Cranberry Township personal injury lawyers.
How Our Cranberry Township Workers’ Compensation Attorneys Fight for You
Getting workers’ […]
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King of Prussia Workers Compensation Lawyer
A King of Prussia workers’ compensation lawyer at Munley Law helps injured employees secure the benefits they need after workplace accidents. Our legal team understands the challenges workers face in Montgomery County’s diverse industrial, healthcare, and commercial sectors. From warehouse injuries at the King of Prussia Mall to construction accidents along US-422, we guide clients through Pennsylvania’s workers’ compensation system to ensure they receive proper medical care and wage loss benefits.
With decades of experience representing injured workers throughout southeastern Pennsylvania, we understand how much getting injured on the job can affect your life. Whether you were hurt in a manufacturing facility, injured in an office environment, or experienced a healthcare-related accident, our attorneys work directly with you to build a strong claim. We handle your case while you focus on recovery.
Types of Workplace Injuries We Handle in King of Prussia, PA
Workplace accidents in King of Prussia reflect the area’s position as Montgomery County’s commercial center. […]
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Lower Merion Personal Injury Lawyer
Personal injuries are, unfortunately, a fact of life, but you don’t need to suffer alone. Finding a personal injury lawyer who understands both local courts and the impact an injury can have on your life is essential.
Serving the Main Line for over two decades, we’ve guided hundreds of Lower Merion residents through complex personal injury claims. Many of our clients come to us overwhelmed by medical bills, unable to work, and facing pressure from insurance companies. We handle all of these burdens and more so you can focus on recovery.
Whether you’re dealing with a car accident, slip and fall, or another injury caused by negligence, the Lower Merion personal injury lawyers at Munley Law are available 24/7 to evaluate your case and explain your options clearly, without pressure or legal jargon.
Call today to schedule a free consultation.
Types of Personal Injury Lawsuits We Handle in Lower Merion Township
There are many different ways to be injured, […]
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