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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Multi-Vehicle Accident Lawyer
If You Were Injured in a Multi-Vehicle Accident, Munley Law Personal Injury Attorneys is here to Help
Multi-vehicle accidents, also known as pile-ups or chain reaction crashes, can be extremely destructive, traumatic events. Getting into a car accident with another driver is always stressful and a scary experience. But an accident involving multiple cars, trucks, or buses can be especially devastating. These types of accidents can cause serious damage, life-threatening injuries, and lasting trauma. What’s more, they tend to be legally complex, and present unique challenges when it comes to determining liability. In order to receive fair compensation for your injuries, you will need a highly skilled injury lawyer with experience handling multi-vehicle car accident cases.
Whether you were in a three-vehicle crash on a city street or a massive pileup on the highway, an experienced car accident attorney at Munley Law Personal Injury Attorneys is ready to help you with your claim. […]
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What Does it Mean When You Stack Your Auto Insurance Policies?
Understanding Stacked Car Insurance
Understanding Stacked Car InsuranceIt is estimated that 12.6 percent of motorists on the road in 2019 were driving without car insurance. That equals to approximately one in eight drivers are behind the wheel without insurance. Not only is this illegal and dangerous, but getting into an accident can be costly to all involved.
If you get into a severe car accident in Pennsylvania with an uninsured motorist, your first concern may be how will you pay for your medical expenses. Will you be stuck with the bill?
Fortunately, there are provisions in your insurance policy that will pay for any of the injuries you may receive. And if your underinsured and uninsured motorist coverage is stacked, then you won’t have to worry about paying for the large medical bills.
But what is stacked insurance? […]
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Allentown Workers’ Compensation and Third Party Claims
Allentown Work Injury Lawyers: Munley Law Personal Injury Attorneys Will Help With Third-Party Claims
Work-related injuries can be catastrophic and disastrous. You can sustain long-term injuries or permanent disability as you carry out your daily duties at your workplace. If you get hurt at work in Allentown, you have the right to file a workers’ compensation claim. However, workers’ compensation might not be enough to cover all of your economic and non-economic losses. In many cases, you may be entitled to pursue third party claim damages in addition to your workers’ compensation benefits.
If you get injured at work due to another person’s actions (other than your employer or coworker), you have the right to file for a third-party claim. For instance, if you are driving as part of your job and are struck by a reckless driver, you may file a workers’ […]
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Healthcare Workers’ Compensation Lawyer in Pittsburgh
Workers’ compensation exists because, unfortunately, workplace injuries and illnesses are simply a reality across all professions. However, there are some jobs and industries that have far higher rates of accidents and injuries. The U.S. Bureau of Labor Statistics lists health services as one of the ten industries with the highest rates of fatal workplace injuries. Additionally, OSHA reports that in 2019, hospitals recorded 221,400 work-related injuries and illnesses. That is a rate of 5.5 work-related injuries and illnesses for every 100 full-time employees, far higher than the right for most private sector jobs.
If you or a loved one is a healthcare worker and has experienced a workplace injury or illness, we are so sorry. We can’t undo your experience, but we can stand beside you as you fight to seek your rightful compensation. In many cases, a workers’ compensation claim is the best way to make sure your medical bills are paid and your lost wages accounted for after a workplace injury. […]
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Third Party Claims & Workers’ Compensation Lawyer in Pittsburgh
Getting up and getting yourself to work every day can sometimes feel like a challenge even in the best of circumstances. But when you’re injured or become sick due to an incident at your workplace, that challenge can become entirely overwhelming. Unfortunately, many Americans are injured in the workplace every year. Some industries pose a greater threat to employees’ health and safety than others.
According to the Insurance Information Institute, the top private industry occupations with workplace injuries and illnesses include nursing assistants, registered nurses, truck drivers, stockers, and repair workers. That being said, anyone performing any professional role is capable of experiencing a workplace injury.
Workplace injuries and illnesses can have long-lasting damages. Whether it’s the physical effects, the financial burden, or the mental and emotional toll, it can be a lot. But if you are hurt or become sick in your workplace, […]
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