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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Forklift Accident Lawyer
Forklift accidents can cause devastating injuries, from broken bones and crushing injuries to traumatic brain injuries. At Munley Law, we understand the complex factors involved when these accidents occur at construction sites and industrial facilities. Whether you were injured as an operator or bystander, multiple parties may be responsible, from equipment operators and site managers to contractors and manufacturers.
Our experienced team of forklift accident attorneys will investigate every aspect of your case, from equipment maintenance and operator training records to potential OSHA violations. Through thorough investigation, we identify all responsible parties and hold them accountable for their role in causing your injuries. With Munley Law on your side, you don’t have to face this challenging time alone.
Contact us today for a free consultation about your forklift accident case.
Proven Results in Forklift Accident Cases
When you choose Munley Law, […]
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York Uber Accident Lawyer
Services like Uber and Lyft are convenient, but these vehicles are exposed to all the same risks as any other car on the road. In 2023, Pennsylvania reported over 1,200 rideshare-related accidents, with York County accounting for approximately 8% of these incidents. These accidents often involve complicated insurance policies, multiple liable parties, and strict reporting deadlines that can impact your ability to recover damages.
A York Uber accident lawyer at Munley Law can help protect your legal rights after a Lyft accident in Pennsylvania. With 65 years of experience representing car accident victims throughout York County, our legal team understands the complex nature of Lyft accident claims and the challenges you may face when seeking financial compensation from your carrier.
Our Uber and Lyft Accident Attorney Track Record
Our firm is well-versed in car accident cases with a track record of securing multi-million dollar settlements for victims, […]
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Underinsured Motorist Coverage Pain and Suffering: Understanding Your Rights and Maximizing Your Claim
According to the Insurance Research Council, nearly 8% of Pennsylvania drivers are uninsured, putting thousands of responsible drivers at financial risk from a car accident. Thankfully, uninsured and underinsured motorist coverage includes the victim’s pain and suffering in Pennsylvania—but that’s not all you need to know.
When an uninsured driver causes a crash that leaves you injured, your uninsured or underinsured motorist coverage steps in to protect you. This protection extends beyond just medical bills and lost wages—it can provide compensation for your physical trauma, emotional distress, and reduced quality of life.
However, insurance companies often minimize or deny these claims, especially when it comes to pain and suffering damages. They may question the severity of your injuries or try to attribute them to pre-existing conditions. […]
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Bethlehem Nursing Home Abuse Lawyer
Abuse at nursing home facilities is a common issue throughout the US. If you’ve trusted a Bethlehem, Pennsylvania, nursing home to care for your loved one, it’s essential to check for signs of abuse or neglect vigilantly.
You may file a personal injury claim or lawsuit seeking compensation on your loved one’s behalf if they experience mistreatment. At Munley Law, a Bethlehem nursing home abuse lawyer is available to offer the assistance you and your loved one deserve now. Contact us today to discuss your case.
Recognizing Warning Signs in Bethlehem Facilities
When visiting your loved one, it’s important to watch for signs that they receive proper care and attention. Look for changes in their physical condition, emotional state, and living environment. Pay attention to their hygiene, nutrition, mobility, and whether they seem comfortable and well-supported by their caregivers. […]
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What Happens If You Fail to Report a Car Accident in Pennsylvania?
If you’re a driver in Pennsylvania, you’re required by law to report a car accident, no matter how minor the collision, and no matter whether you caused it or not. Failing to report a car accident can lead to serious legal and financial consequences: suspension of your driver’s license, fines up to $2,500, and potential criminal charges.
Your insurance company could use the lack of report as the basis for denying your claim, leaving you responsible for medical and repair costs.
Our seasoned Pennsylvania vehicle accident attorneys at Munley Law can help ensure you meet all reporting requirements and follow the rules for the best outcome. Contact our legal team for a free consultation about your case.
Pennsylvania’s Accident Reporting Laws
What do you need to know if you’re a driver involved in a vehicle accident? […]
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