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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Why Was My Philadelphia Car Accident Claim Denied?
Navigating the aftermath of a car accident in Philadelphia can be a daunting task, especially when dealing with insurance claims. As a team of seasoned Philadelphia car accident lawyers, Munley Law has seen firsthand the frustration and confusion many clients face when their car accident claims are denied. Car accident insurance claims are a important part of the recovery process, providing financial support for medical expenses, vehicle repairs, and other related costs. However, these claims are not always straightforward and can be denied for a variety of reasons. Understanding these reasons is the first step towards successfully navigating the claims process.
In the city of brotherly love, where traffic can be heavy and accidents frequent, having your claim denied can feel like a second blow. But remember, a denial is not the end of the road. With the right legal assistance, […]
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Bethlehem Lyft Accident Lawyer
We primarily think of Lyft as a convenience, a means of getting from point A to point B at a reasonable cost. It can be easy to forget that when we get into a Lyft we are trusting a stranger with our lives and safety. Would you know what to do if your Lyft driver got into an accident? What if the accident was your Lyft driver’s fault? Who should pay for your injuries? Will Lyft take any responsibility?
A Bethlehem Lyft accident lawyer at Munley Law Personal Injury Attorneys can answer these questions, and more. Since 1959, Munley has been the most trusted name in law in Pennsylvania and the Lehigh Valley. Our attorneys understand the complexities of rideshare car accidents and can help you navigate this often-confusing situation. We have decades of experience handling serious injury cases involving big transportation companies and commercial insurance policies. Let us put that experience to work for you. […]
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Bethlehem Uber Accident Lawyer
Defending Your Rights After an Uber Crash
The roads can be dangerous even in the best conditions. However, when you put your trust in an Uber driver, you may not expect to end up in a serious car accident. The truth is, Uber drivers can make the same driving mistakes as any other driver, and may sometimes be at greater risk of negligent driving.
If you’ve been involved in an accident with an Uber driver, you need an experienced Uber accident attorney on your side. At Munley Law, our attorneys have been helping injured victims for over 60 years. We know how to navigate complex insurance and liability matters with car accident cases involving Uber and other rideshare company drivers.
What Causes Uber Accidents?
Uber accidents can be caused by the same risk factors as any other type of vehicle accident. […]
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Wilkes-Barre Workers’ Compensation for Corrections Officers
Wilkes-Barre Workers’ Compensation: Injury Claims for Corrections Officers
Workers’ compensation for corrections officers, or any category of jail or prison worker, should be easy to obtain, following a proven on-the-job injury. Managing inmates with records of violence is one of the riskiest professions, according to statistics. Yet achieving approval for workers comp payments when injured is not always simple. All too often, officers with worthy claims encounter obstacles. If you or someone you know was injured while working as a corrections officer at the Luzerne County Correctional Facility or a jail or prison in or near Wilkes-Barre, Pennsylvania, a knowledgeable, conscientious Wilkes Barre workers’ compensation attorney at Munley Law Personal Injury Attorneys may be able to help.
When a corrections officer suffers a workplace injury, it’s important to follow the steps mentioned in this post. Each requirement should be completed on time via the proper channels. […]
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Reading Workers’ Compensation Death Benefits
What happens when a loved one dies as a result of a work accident?
The death of a loved one is devastating and life-changing. When a loved one is fatally injured as a result of a work-related accident or a disease or long-term illness caused by working conditions, it can be even more difficult. In addition to dealing with your grief, you are now grappling with mounting medical bills, funeral expenses, the loss of your loved one’s paycheck, and questions about the fatal accident that cost your loved one’s life.
Could their death have been prevented with better safety protocols or better training or protective equipment? Is their employer’s negligence to blame for the death of your family member?
If you have lost a loved one to a work accident or occupational illness, you may be eligible to claim death benefits to cover lost wages for the deceased worker as well as receive benefits to recover funeral expenses. […]
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