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How does medical payments coverage under an auto insurance policy work?

Your medical payments coverage helps pay medical costs resulting from an auto accident for you, your family and everyone in the car at the time of collisi...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What is difference between cash value and surrender value?

The surrender value is the actual sum of money a policyholder will receive if they try to access the cash value of a policy. In most cases, the difference...

When can an employee get injured outside of work?

If an employee is injured outside the course and scope of their employement and is unable to work while they recover, they may be eligible for Family Medi...

Does someone have to live with you to be on your insurance?

No, you cannot add someone who doesn’t live with you to your car insurance in most cases. College-aged students who aren’t living at home but still use th...

Is uninsured motorist at fault?

Typically, it’s a driver who doesn’t have enough insurance to cover someone else’s damages if he or she is found at fault in an accident. For instance, an...

Why would insurance deny a medication?

If your doctor is prescribing at doses higher than normal, the prescription may be denied. This means that your doctor must clinically show that you have ...

Does professional liability insurance cover consultants?

In most cases, Commercial General Liability Insurance (also known as CGL Insurance) won’t cover you for financial damage to others caused by your professi...

How long does a speeding ticket stay on your record in North Carolina?

three years North Carolina has two kinds of points for traffic tickets: driver’s license points and insurance points. They stay on your records for three ...

How is private healthcare financed?

Health care is paid for by government programs (such as Medicare and Medicaid), private health insurance plans (usually through employers), and the person...

Can I put my mom on my insurance at work?

A: No, you cannot include your parents on your plan. They must enroll in their own health plan through their job, an individual insurance plan or Medicare...