The Daily Horizon

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How much does car insurance go up after a total loss?

California: 63.1% increase. What happens to insurance after total loss? When your car is a total loss, it means the car cannot be repaired safely or that ...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

How do I prove I have life insurance?

There is some sleuthing you can do to help you find out if there is a policy in place: Obtain the death certificate. Talk to family and friends. Search pe...

What does unoccupied house insurance cover?

Unoccupied home insurance covers you when your home is empty for longer than your standard policy will allow. You only normally get cover if your home is ...

When must Cobra notices be sent out?

An employer that is subject to COBRA requirements is required to notify its group health plan administrator within 30 days after an employee’s employment ...

Can you cancel a pending insurance claim?

Yes, insurance providers will allow you to cancel a claim once you filed it. There are several reasons why drivers might want to cancel a claim, and one o...

Do international students get a National Insurance Number?

There are a few conditions depending on where you are from regarding UK employment; but all students who are not from the UK will usually need to get a Na...

Should I get liability or comprehensive?

Minimum liability insurance is often cheaper, but full coverage protects you against the cost of damage to your car, not just to others. If your current c...

Can health insurance be negotiated?

California HMO health plans do not have negotiated rates per se since most services for HMO plans are fixed copays or co-insurance. Essentially, the provi...

Does insurance cover if you rear-end someone?

While the other driver’s car insurance company will likely pay for the damages that result from a rear-end collision, your coverage could apply, too. If y...

Can Term Life Insurance be used as collateral?

Any type of life insurance policy is acceptable for collateral assignment, provided the insurance company allows assignment for the policy. Many lenders d...