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What does medical payments coverage mean?

Medical payments coverage is part of an auto insurance policy. It may help pay your or your passengers’ medical expenses if you’re injured in a car accide...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What does basic life insurance typically cover?

Life insurance pays out the death benefit to your beneficiaries for most causes of death. Illness, suicide, accidents, and death by natural causes are all...

How much will a car accident affect my insurance?

Getting into a car accident in which you are at fault can raise your auto insurance rates in a big way. On average, the annual cost for a full-coverage ca...

What happens when you reject an insurance settlement offer?

Once you reject a settlement offer, the offer is off of the table. You only get one chance to accept or reject a settlement offer. If you reject it, you c...

Does smoking affect house insurance?

Smokers. Being a smoker won’t invalidate your home insurance, but if you lie about you or anyone you live with smoking, your insurer could refuse a claim ...

What is meant by property insurance?

The property insurance is the insurance that protects the physical goods and the equipment of the business or home against any loss from theft, fire, and ...

What can you do if someone steals money from your house?

If someone has stolen money and you want him held criminally responsible – and hopefully return the money – you normally need to contact the police to fil...

Can I insure and drive a car owned by someone else?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. This means even if your friend, sister or cousin have the best c...

What do insurance companies consider when they determine your premium How can you get the lowest premium on your car insurance?

Your driving record – The better your record, the lower your premium. If you’ve had accidents or serious traffic violations, it’s likely you’ll pay more t...

Was pregnancy ever considered a preexisting condition?

Pregnancy cannot be considered a pre-existing condition and newborns, newly adopted children and children placed for adoption who are enrolled within 30 d...