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 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, […]
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Healthcare and Medical Workers’ Comp Lawyer
If you are an injured healthcare employee, then you need a lawyer who can maximize your workers’ comp
Pennsylvania’s #1 workers’ comp law firm is here to help
If you work in the healthcare or medical profession, you spend your time helping sick and injured patients get better. However, you are not immune from injuries and illnesses yourself. In fact, the U.S. Bureau of Labor Statistics reports that out of every industry, healthcare workers face the greatest risk of injury. In other words, medical professionals are more likely to get hurt than construction, manufacturing, or production jobs. When healthcare employees suffer on-the-job injuries, they need to cover their medical and personal costs with workers’ comp. To do so, they need experienced workers’ compensation lawyers who will fight for them. They need Munley Law Personal Injury Attorneys. Call today for a free consultation with one of our award-winning workers’ […]
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Workers’ Compensation: Types of Work Injuries
If you suffered an on-the-job injury, then you need a lawyer who will fight for you
Munley Law Personal Injury Attorneys’s workers’ comp lawyers represent workers who have suffered all kinds of injuries.
According to the United States Bureau of Labor Statistics (BLS), 2.8 million workers suffer on-the-job injuries every year. In addition, BLS reports an increase in workplace fatalities. To that end, 5,250 American laborers tragically died while working last year. Moreover, BLS announced in a recent news release that the injury and illness rate–2.8 cases per 100 workers, or 2.8% of the workforce–remain unchanged. If you suffered an injury while doing your job, then you may be entitled to workers’ compensation benefits. However, your employer and its insurer will likely fight to limit your payments. In order to get the maximum amount, you need an experienced Pennsylvania workers’ […]
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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. […]
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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. […]
