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 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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The Use of Medical Experts in Personal Injury Cases
Many forms of evidence and documentation can help you show you deserve compensation when filing a personal injury claim or lawsuit. Often, victims can strengthen their cases by coordinating with medical experts to provide testimony.
The specific way a medical professional can help with your case will depend on factors ranging from the severity of your injuries to whether you settle out-of-court or go to trial. Contact Munley Law today to learn more about how our network of medical experts can help when fighting for compensation in your personal injury case.
Why Medical Expert Testimony Is Critical to Your Case
The involvement of medical experts often determines whether a victim receives the full compensation they deserve for their injuries.
Depending on the circumstances, medical experts play many potential roles in personal injury cases. For instance, a medical expert may help build a personal injury case by testifying to the cause of a victim’s injuries. […]
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Maximum Medical Improvement in Workers’ Compensation
Achieving Maximum Medical Improvement (MMI) is an important step in workers’ compensation cases, signifying that a person’s condition has reached a stable point and that no major improvements are anticipated. However, this doesn’t mean you’re fully healed. Many workers mistakenly assume that once they reach MMI, they are completely recovered.
In reality, they may still experience ongoing pain and limitations or require future care. It’s important to understand the implications of MMI on your benefits and compensation, as it can impact your settlement and eligibility for permanent disability benefits. Our experienced attorneys can help you handle this phase and ensure your rights and future needs are fully considered.
Understanding Maximum Medical Improvement (MMI) in Workers’ Comp Cases
Maximum Medical Improvement (MMI) marks when your injury stabilizes, not when you’re fully recovered. Think of it as reaching a plateau in your medical treatment, […]
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Pre-Existing Conditions in a Workers’ Compensation Claim
Pennsylvania workers’ compensation laws exist to protect employees with work-related injuries. But what if your injury is connected to a pre-existing injury or condition?
While your employer or their insurance company may suggest you aren’t eligible for workers’ compensation, that is not the case. You have rights under Pennsylvania and federal law.
If you have questions about your eligibility or need help fighting for the compensation you deserve, schedule a free consultation with a workers’ compensation attorney at Munley Law. We can help you understand your legal options and will fight for your rights.
Understanding Pre-Existing Conditions in Workers’ Comp Cases
For workers’ compensation purposes, a pre-existing condition is any prior medical condition that an employee has experienced before beginning work with your organization.
Common pre-existing conditions of injured workers include:
- Back and spine injuries
- Arthritis and joint problems
- Knee injuries
- Carpal tunnel syndrome
- Heart conditions
- Asthma and respiratory issues
- Mental health conditions
- Genetic predispositions
For workers’ […]
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Philadelphia Uber Accident Lawyer
Philadelphia Uber accident lawyers know rideshare accidents involve complex liability issues and insurance challenges. When you’re hurt in an Uber crash in Philadelphia—whether as a passenger, pedestrian, cyclist, or driver—determining fault and securing compensation requires specific legal expertise.
The Philadelphia Uber accident lawyers at Munley Law have extensive experience handling rideshare cases. Our board-certified trial attorneys have successfully litigated commercial vehicle accidents for decades. We take pride in our proven track record of negotiating fair settlements and winning courtroom verdicts against major companies. If you’ve been injured in an Uber accident, our injury attorney has the knowledge to protect your rights and pursue maximum compensation. Contact our Uber accident attorneys today to schedule a free consultation.
Compensation Available to Uber Accident Injury Victims in Philadelphia
After an Uber accident in Philadelphia, the financial impact can be overwhelming. […]
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