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.
More information about Insurer
Workers’ Compensation Back Injury Claim
If you’ve suffered a back injury at work, hire an experienced workers’ comp attorney
A work-related back injury can have long-lasting affects, ranging from a few missed shifts to short-term or permanent disability. Pushing yourself to keep working despite a back injury can lead to a prolonged recovery process or permanent damage.
At Munley Law Personal Injury Attorneys, our Pennsylvania workers’ compensation lawyers can help you navigate the process of filing or appealing your claim so that you receive the compensation you need to recover from your back injury. Where full recovery isn’t possible, we will fight to recover the compensation you deserve to account for your new reality.
Common Workers’ Compensation Back Injury Claims
Filing a workers’ compensation claim for a back injury isn’t limited by your field or profession—anyone can sustain a back injury at work, […]
Read MoreMore information about Insurer
Wayne, PA Personal Injury Lawyers
If you or your loved ones have been injured in Wayne, Pennsylvania, due to another person’s actions, you may be able to recover financial compensation for your injuries. This process is part of personal injury law. Munley Law Personal Injury Attorneys is a personal injury law firm that has been trusted by many Wayne residents to pursue their claims and get justice for their injuries.
Filing a personal injury claim or lawsuit against another person or entity can be complicated and time-consuming. When pursuing compensation, it is therefore vital to have an experienced personal injury lawyer by your side. At Munley Law Personal Injury Attorneys, our Pennsylvania personal injury attorneys know what insurance companies may try to do to get out of paying a claim. We will protect your rights and fight for what you deserve.
Munley Law Personal Injury Attorneys is a family firm, […]
Read MoreMore information about Insurer
What to Do After a Car Accident
After a car crash, you need to know what to do
The nation’s leading accident lawyers explain what steps you should take after a collision
There are 6 million roadside collisions in the United States every year. However, despite the fact that we hear about car and truck accidents every day, we never think it will be us. As a result, many drivers and pedestrians find themselves unprepared when they suffer a crash. How accident victims react in the seconds, minutes, hours, days, and weeks after their crash creates lasting effects. Doing the right thing or the wrong thing can majorly impact whether and how much you can recover for your injuries. As such, our experienced car and truck crash lawyers explain exactly what to do after a roadside collision.
If you’d like to discuss the specifics of how to handle your accident case, […]
Read MoreMore information about Insurer
Doctors on Probation for Gross Misconduct Still Practicing
Would you want to know if your doctor was on disciplinary probation?
When it comes to a physician’s disciplinary history, patients are kept very much in the dark. Physicians all over the country who have been disciplined for sexual misconduct, drug abuse, and devastating medical mistakes are still practicing, some while on probation, and they are not required to disclose their probationary status to their current patients.
Meanwhile, medical errors 3rd leading cause of death in the U.S.
Recently, Senator Jerry Hill of California authored a bill that would require doctors to inform patients of their probationary status. The legislation didn’t pass.
Is your doctor on probation?
Under current laws, doctors are required to disclose their disciplinary history to the hospital or practice where they work, and to their medical malpractice insurer, but are under no obligation to share this information with patients. […]
Read MoreMore information about Insurer
7 Ways to Fast-Track Your Sandy Insurance Claim
Claim your insurance protection for damage done by Hurricane Sandy
In the wake of Hurricane Sandy, thousands of Pennsylvanians are filing insurance claims under homeowners, auto, health and even life insurance policies.
Many will face long waits and daunting paperwork.
Some insurance slowdowns are inevitable following a disaster of Sandy’s proportions. Damage estimates range from $7 billion to $50 billion, according to the Wall Street Journal.
But by taking a few simple steps Pennsylvania residents can improve the odds of their claims getting fast-tracked for approval:
- Do your homework. Take pictures or video of the damage. Before-and-after photographs, purchase records and contractor estimates for repairs are especially valuable.
- Hurry up and file your claim. “Experts say that many homeowners hesitate because they aren’t really sure if they have enough damage to merit a claim—or at least a claim that is more than the value of the policy’s deductible,” the Wall Street Journal reported. […]
