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What do you do if your upstairs apartment leaks water?

What You Should Do. Do contact the landlord first about water leaking into your downstairs apartment from the above unit. Do check with the upstairs neigh...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What can be changed in an adjustable life insurance policy?

Policyholders are permitted to make changes to key features of their policy within limits. They may increase or decrease the premium, increase or decrease...

What are 4 things you should look at when choosing an insurance plan?

5 Things to Consider When Choosing Your Health Coverage Type of Plan and Provider Network. Do the health care providers, hospitals and pharmacies you pref...

What happens when vehicle is total loss?

If the insurer says that your car is a total loss, it will only pay you the fair market value of your car as of the day of the accident. Unfortunately, an...

How many calendar days does an insurer have to furnish the Department of Insurance a response concerning a claim?

(a) Upon receiving any written or oral inquiry from the Department of Insurance concerning a claim, every licensee shall immediately, but in no event more...

What factors are considered to rate car insurance companies?

Below are the 15 rating factors most often used by car insurance companies, along with some associated costs by insurer. Age. Age is a very significant ra...

Do I need insurance to drive in a car park?

As long as the land you’re on can’t be accessed by the public, you can drive without insurance. However, although the law mentions about not driving in pu...

What happens when a 16 year old gets a speeding ticket in Illinois?

A first conviction for a violation of the restrictions imposed on their driver’s license will result in a 2-month license suspension. In order to request ...

Can you drive a van on a provisional Licence?

Vans over 3.5 tonnes If you have passed your car driving test, then that’s the first part of the DVLA’s staging process, and automatically awards you a pr...

Will my insurance go up if I get 3 points?

However, bearing all that in mind, research suggests three points could raise a driver’s car insurance premium by an average of 5%, while six penalty poin...