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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What Does it Mean When You Stack Your Auto Insurance Policies?
Understanding Stacked Car Insurance
It 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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Workers’ Compensation for Core-Mark Warehouse Injuries
Core-Mark Warehouse Workers’ Compensation
Warehouse employees are essential to the supply chains that keep our society running smoothly. The fast pace of warehouse work, as well as the technical equipment, makes warehouse work particularly susceptible to workplace injuries. If you or a loved one has been injured while working at Core-Mark International’s Wilkes-Barre warehouse, you are entitled to workers’ compensation while you recover.
What is Workers’ Compensation?
Workers’ compensation is a type of insurance that nearly all Pennsylvania employers are required to carry for their employees. When an employee is injured during the course of work, he or she is able to file a compensation claim with his or her employer and receive payments to cover medical bills and lost wages for the duration of the recovery.
Workers’ compensation also protects the employer from having a personal injury suit brought against him or her. […]
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