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 If the Car Seat Is Defective
Every parent remembers that first drive home from the hospital – your newborn secured in their car seat while you drive more carefully than ever. We trust these essential safety devices with our children’s lives, which makes it all the more devastating when a car seat fails to protect our little ones due to a manufacturing defect. As a parent, few things are more frightening than discovering your child’s car seat – the very device meant to keep them safe – may have put them at risk of serious injury or worse.
While no parent wants to imagine their child being harmed by a defective car seat, understanding how to respond and knowing your rights isn’t just important – it could be crucial for protecting your child and other families using the same model. If your child has been injured due to a faulty car seat, you don’t have to navigate this difficult situation alone. […]
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Defective Medical Device Attorney
A medical device is meant to support your health. Unfortunately, defective medical devices result in numerous injuries and deaths throughout the U.S. every year.
Has a medical device defect left you or a loved one with injuries? Compensation may be available. Learn more by reviewing your case with a defective medical device lawyer. At Munley Law, our team is on hand to fight for the compensation you deserve. Get started by contacting our product liability lawyers today for a free consultation.
Types of Defective Medical Device Cases We Handle
Defective medical devices can come in many forms. The following are a few examples of common medical device defects:
- Hip implant defects: A defective hip implant could become dislocated, cause injury due to metal parts, cause pain, cause infection, and other such issues.
- Surgical mesh defects: There are many ways a defective surgical mesh can cause injury, […]
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Can I Sue My Neighbor for an Injury on Their Property?
When you’ve been injured on a neighbor’s property, you might feel confused, upset, and unsure about what to do next.
You may wonder about your options if you’ve suffered an injury while visiting next door. The short answer is yes, you can sue your neighbor for an injury on their property, but there’s more to consider before taking that step.
When an injury occurs on a neighbor’s property, the question of legal recourse often arises. The ability to sue a neighbor for such an injury depends on several factors and involves understanding premises liability law. Call a premises liability lawyer at Munley Law for a free consultation to review your legal options.
Why You Might Sue Your Neighbor for an Injury on Their Property
While suing a neighbor can be a difficult decision, there are several legitimate reasons why you might need to take this step if you’re injured on their property:
- Medical Expenses: If you’ve incurred significant medical bills due to the injury, […]
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Can I Still Pursue Compensation If I Was Partially At-Fault for My Injuries?
The insurance system can be overwhelming after a car accident, especially when you are healing from injuries. As a no-fault state, Pennsylvania insurance policies generally make it a little easier to get your medical bills covered quickly regardless of who may have been at fault.
However, seeking compensation from another driver for injuries and damages can be complicated, depending on your insurance policy and the percentage of negligence you are responsible for. Partnering with an experienced car accident attorney will help you manage your claim and recover the most compensation available for you.
When Can I Seek Compensation from Another Driver?
When you can seek compensation from another driver depends on what kind of compensation you are seeking. In general, Pennsylvania’s no-fault system means that the average insurance policy does not allow you to seek compensation for medical bills or personal injuries sustained in an accident. […]
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Wilkes-Barre Uber Accident Lawyer
If you or a loved one were injured in an Uber car accident, or if a family member was killed, contact an experienced Wilkes-Barre Uber accident lawyer at Munley Law Personal Injury Attorneys for a free, no-obligation consultation as soon as possible. We are ready to discuss the circumstances of the accident and help you understand your legal options.
How A Wilkes-Barre Uber Accident Attorney Can Help
Uber considers itself a technology company, not a transportation company, so it maintains only minimal insurance for its drivers. Typically, Uber provides only one million dollars of insurance coverage for its drivers. While this may seem like a lot of money, if you or a loved one have suffered severe injuries as a result of an Uber car accident, your costs for medical bills, rehabilitation, lost wages, and other expenses may be significantly more than this amount. […]
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