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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Stroudsburg Dog Bite Attorney
If you were bitten by a dog in Stroudsburg, you need an experienced dog bite lawyer at Munley Law Personal Injury Attorneys
Dog bites are no laughing matter. They are serious and may lead to devastating and permanent injuries, especially when the victim is a child. Results of a dog bite may include surgeries and other medical expenses, permanent scarring, infections, rabies, missed time from work, and emotional distress. All of these can be costly. You shouldn’t be stuck with the burden of someone else’s negligence.
Most homeowners insurance policies cover dog bites, but making a claim and recovering damages can be complicated. You need an attorney experienced with Pennsylvania state laws. Munely Law, founded and located in northeast Pennsylvania fits that bill. For over 55 years we have represented our neighbors in personal injury cases. […]
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Dog Bite Lawyer in Wilkes-Barre
Get compensation for your dog bite injuries
Talk with a leading dog bite lawyer in Wilkes-Barre for FREE today
Whether you were going for a walk in your neighborhood or enjoying the day at Hollenback Park, if you suffered injuries in a dog attack, you may be able to recover injury compensation from the owner of the dog. Dog owners have a duty to control their pets, and they may be held responsible for harm caused by their animals, including dog bites.
At Munley Law Personal Injury Attorneys, our team offers free case evaluations, and will not charge you anything unless we recover compensation on your behalf. We will review the facts of your Wilkes-Barre dog bite, and determine if you are eligible to hold the owner legally responsible for your injuries, emotional scarring, and financial losses. Call us today at [phone-number] to talk to a dog bite lawyer in Wilkes-Barre. […]
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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, […]
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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. […]
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Pennsylvania Drivers Near Bottom of the List of Safest Drivers
Allstate, the nation’s largest publicly held personal lines insurer, released the results of its 2012 “Allstate America’s Best Drivers Report.” The report ranks America’s 200 largest cities according to car collision frequency in an effort to identify America’s safest drivers.
According to the report, Americans, on average, are in an accident every 10 years. Sioux Falls, South Dakota holds the honor as the city with the safest drivers for the fifth time – the report has been conducted for eight years. Sioux Falls drivers average an accident once every 13.8 years.
Pittsburgh is ranked 168th on the list with drivers averaging an accident every 7.5 years. Philadelphia is just 10 spots from the bottom, at 190, with drivers averaging an accident every 6.1 years. This is 64.1% higher than the national average.
Allstate’s Best Driver’s Report was created to boost the country’s discussion on safe driving. […]
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