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What happens if you get caught talking on the phone while driving?

If you are caught texting or holding your cell phone while driving in California, a law enforcement official can pull you over. The base fine for the firs...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

How many points is not stopping at a stop sign in PA?

3 points Failure to stop for stop sign — 3 points. Illegal U-turns — 3 points. Does Pennsylvania report tickets to other states? Tickets issued in Pennsyl...

How long has Liberty Mutual been in business?

1912 In business since 1912, and headquartered in Boston, today we are the sixth largest global property and casualty insurer based on 2020 gross written ...

What percentage of construction cost is insurance?

Construction Insurance Policies. In general, the low end of construction insurance policy costs will be about 4% of the overall value of the contract sign...

What does gap insurance cover if you die?

No, gap insurance does not cover death, since it only pays for the difference between a car’s value and any auto loan or lease balance remaining if the ca...

Are long-term care premiums taxable?

Premiums for “qualified” long-term care insurance policies (see explanation below) are tax deductible to the extent that they, along with other unreimburs...

What is PMI and how does it work?

PMI is insurance for the mortgage lender’s benefit, not yours. You pay a monthly premium to the insurer, and the coverage will pay a portion of the balanc...

Is squirrel infestation covered by insurance?

Home insurance may not protect you against rats that blow up the house. Steve Foulsham of the British Insurance Brokers’ Association says: ‘The vast major...

How much does it cost to give birth in the US without insurance?

According to data collected by Fair Health, the average cost of having a vaginal delivery is between $5,000 and $11,000 in most states. How much does it c...

Can I get life insurance on my elderly father?

Yes, you can purchase life insurance for your parents to help cover the final expenses they leave behind. In order to buy a policy on a parent, you will n...