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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Bad Faith Insurance Lawyers
When you pay your insurance premiums month after month, you expect your provider to uphold their end of the bargain if you ever need to file a claim. Unfortunately, some insurers prioritize protecting their profits over treating policyholders
fairly. That’s when you need an experienced bad faith insurance lawyer in your corner.
A bad faith insurance attorney knows the unfair tactics insurers use, like delaying or denying valid insurance claims and refusing to pay reasonable settlements. When an insurer violates its obligations, bad faith insurance claim lawyers fight to hold them accountable.
If you believe you have a bad faith insurance claim, contact the insurance lawyers at Munley Law to schedule a free consultation.
What Constitutes Bad Faith?
Bad faith refers to an insurance carrier acting unreasonably or breaking their contractual duties and obligations to you. […]
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Hit and Run Car Accidents
Nobody ever expects to be the victim of a hit-and-run car accident. One minute you’re driving along, and the next, someone carelessly crashes into your vehicle and flees the scene. In the aftermath, you’re left dealing with injuries, vehicle damage, and a thousand questions. That’s when you need a hit and run accident lawyer in your corner. The experienced car accident lawyers at Munley Law understand the chaos and confusion you’re facing. They know how to investigate what happened, protect your rights, and fight for the compensation you deserve. With expertise in accident claims and hit-and-run car accidents, they become your advocate and guide through this difficult situation.
Best Hit and Run Accident Attorneys
When you’ve been the victim of a hit-and-run accident, you need personal injury law attorneys who really go the extra mile. The best hit-and-run accident attorneys are relentless investigators, […]
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Can You Sue Lyft After a Car Accident in Reading?
If you have been involved in an accident with a Lyft driver, you should immediately contact a Reading Lyft accident lawyer.
While rideshare is extremely convenient for passengers and a great way to make primary or extra income for drivers, a Lyft driver has no special training or certificates. Ridesharing has added more vehicles to the road, which statistically means more accidents, injuries, and deaths involving drivers and passengers.
A Lyft car accident can be more complex than a regular car accident as it involves multiple parties, contractual agreements between Lyft and its drivers, rideshare laws, and negotiation with Lyft and its insurer.
Due to these complexities, seeking legal advice from an experienced personal injury attorney at Munley Law who understands the unique aspects of Lyft accidents is important. A knowledgeable attorney can help you file your personal injury lawsuit and pursue the compensation you deserve. […]
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Personal Injury Glossary Terms
This glossary provides a quick-access resource for looking up definitions of terms you will likely encounter while seeking compensation.
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W
A
Accident Report — A detailed official record of an incident created on-site by an authority figure such as a police officer or hospital staff member.
Act of God — An unforeseen event caused by natural forces without human involvement that couldn’t have been prevented with reasonable care, […]
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How Reading’s Roadway Infrastructure Influences Truck Accidents
Truck accidents in Reading can happen suddenly and unpredictably; therefore, it is vitally important to have the support and advice of an experienced Reading truck accident attorney. Munley Law is familiar with Reading’s road system and how its unique traffic characteristics may contribute to accidents; they are therefore equipped to offer legal support and guidance to anyone affected by truck crashes in this unique urban environment.
What Sets Reading’s Roadways Apart?
Reading, Pennsylvania, is a key transportation hub with an intricate network of highways and roads essential to local and regional traffic. This part of Reading stands out for its distinct geography and history, and it also has an intricate road infrastructure.
Reading’s main road system is marked by significant arteries such as U.S. Route 222 and Penn Street Bridge, which facilitate heavy commuter and commercial traffic flows. U.S. Route 422 connects Reading with major cities such as Philadelphia and Harrisburg while also carrying heavy truck loads, […]
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