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Do you have to pay back insurance after settlement?

If you’ve ever dealt with a personal injury claim, you’re probably aware that you have to use a portion of your settlement to pay back your health insuran...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Why does my insurance go up after a non-fault accident?

Because car insurance is all about risk, the more accidents you have, regardless of fault, the higher the probability is that you could be involved in ano...

Does homeowners cover motorcycle theft?

Your motorcycle will not be covered if it is included in the damage done to your home as a result of any covered perils on your homeowner’s policy. Motorc...

Is orthodontia covered?

Orthodontic benefits are paid over the course of the treatment for the patient and normally have a lifetime maximum or co-pay per patient. There are medic...

What is the standard title policy in California?

A standard policy insures primarily against defects in title which are discoverable through an examination of the public record. This includes defects in ...

Does insurance cover glasses and contacts?

Vision insurance and vision benefits plans typically cover the cost of an annual eye exam and prescription eyeglasses and/or contact lenses. If you do not...

Does the federal government regulate life insurance?

Who Regulates Life Insurance Companies? Life insurance is governed primarily by state law, rather than federal law. This law grants that insurance regulat...

How long can insurance companies hold claims against you?

Statute of Limitations on Car Insurance Claims by State State Bodily Injury Property/Collision/Comprehensive Damage California 2 years 2 years Colorado 3 ...

How do you determine the face value you need for life insurance?

Face value is different from cash value, which is the amount you receive when you surrender your policy, if you have a permanent type of life insurance. F...

Do you need a long term care insurance Why?

A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheim...