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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UHaul Truck Accident Lawyer
If You Were Hurt in a Truck Accident, Contact a U-Haul Truck Accident Lawyer Today
U-Haul trucks are convenient for anyone needing to move or haul furniture or other large items that don’t fit into smaller vehicles. It is a cost-effective way to use a truck without needing to purchase one. Unfortunately, many people who drive U-Haul trucks are not experienced in driving large vehicles and may cause a truck accident that injures other drivers, motorcyclists, and pedestrians. Sometimes, the companies that rent out U-Haul trucks do not properly maintain the trucks. This can lead to crashes that may injure others and the driver and passengers in the U-Haul truck.
If you or a loved one were injured in a U-Haul truck accident, or if a family member was killed, contact an experienced truck accident lawyer at Munley Law Personal Injury Attorneys for a free, […]
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Delivery Truck Accident Lawyer
Our Delivery Truck Accident Attorneys Will Fight For Your Rights
It’s not hard to imagine why a collision between a passenger vehicle and a delivery truck can be a horrifying and hugely damaging incident. Even a relatively small truck is significantly larger and heavier than a passenger vehicle, which puts the members of the smaller vehicle at great risk if a truck accident does occur. In fact, data shows that in accidents between trucks and passenger vehicles, the driver and occupants of the truck are far less likely to be hurt.
If you or a loved one has experienced the trauma of a delivery truck accident, a delivery truck accident lawyer at Munley Law Personal Injury Attorneys is here to help. There’s no way to undo the pain you’ve experienced, but there is a way to seek both justice and compensation for your suffering. Our truck accident lawyers will fight tirelessly to protect your rights in the wake of your accident. […]
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Reading Factory Worker Injury Lawyer
Reading is the historical home of the famous Reading Railroad, the county seat for Berks County, and one of PA’s biggest cities. Industry is still an economic lynchpin in Reading and the city’s manufacturing employers are among some of the area’s largest. Reading’s versatile workforce is one of the reasons factories choose Reading as their base of operations. And Reading’s factory workers are essential to the success of local factories.
However, factory work is notoriously dangerous. If you or a loved one has been injured or killed while at work at a factory in Reading, West Reading, or anywhere in Berks County, you want to make sure you hire the most experienced, competent Reading factory worker injury attorneys to fight for the financial compensation you deserve. For six decades, Munley Law has been helping injured factory workers throughout Pennsylvania after a terrible accident. Our Reading workers’ compensation lawyers work hard to make sure your rights are protected. […]
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Is Workers’ Compensation for Independent Contractors Available?
When you are an independent contractor you have more flexibility and the potential to earn more than workers who make a straight salary working for a single employer. And while there are obvious benefits, you know from experience that with the flexibility and extra earning capacity that comes with working for yourself, there are added anxieties and responsibilities.
When you work for yourself, you have a lot of freedom but also a lot to think about, prepare for and worry about.
When you work for yourself and you sustain a work-related injury or illness, you may wonder how you can afford your medical bills or how you’ll get paid for missed time from work. Fortunately, if you have Pennsylvania workers’ compensation insurance, those benefits can provide necessary financial support while you recover.
Independent contractors work in every US business sector
According to an article by Business New Daily, […]
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Pittsburgh Workers’ Compensation: Specific Loss Benefits
Disfigurement and Specific Loss Benefits
If you have suffered a catastrophic injury at work resulting in permanent disfigurement, scarring, or loss of the use of a limb or body part, you need to know that you may be entitled to compensation.
The Pennsylvania Workers’ Compensation Act mandates employers carry workers’ compensation insurance. Workers’ compensation benefits cover medical treatment costs incurred due to a work-related injury. Workers’ compensation insurance also provides some financial relief in the form of wage loss benefits for work that is missed due to the injury and recovery.
Specific loss benefits are less common but just as important. If you are a worker in Pittsburgh and you have lost a limb, or another body part, amputation, loss of most of or all of the use of a body part including permanent vision and hearing loss you may be entitled to specific loss payments. […]
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