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What is Inception Date insurance?

The date of inception of the insurance policy refers to the date at which the insurance policy goes into effect. From the inception date until the date th...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What state does not have workers comp?

There are four states that do not allow businesses to purchase workers compensation coverage from private insurance carriers—North Dakota, Ohio, Washingto...

How long does car insurance last after not paying?

Is there a grace period for paying car insurance? If you miss a payment, your car insurance probably won’t be canceled right away. Depending on your home ...

Is Sinking concrete covered by insurance?

If your concrete foundation or porch starts to sink, whether due to settling or improper installation, the insurer won’t cover the damage. It will be deem...

Is an insurance agency considered an insurance company?

A carrier is an insurance company that will directly write and pay out a car insurance claim for only their products. An agency or insurance broker is a c...

Can I take a life insurance policy out on my boyfriend?

Yes, you can buy life insurance on your boyfriend or girlfriend as long as you have their consent and insurable interest. We’ve talked about insurable int...

How does copay work with insurance?

A copay is a fixed amount you pay for a health care service, usually when you receive the service. You may have a copay before you’ve finished paying towa...

Who is at fault when rear ended?

In a rear-end car crash involving two cars, the car that hit from behind is considered liable. However, if the incident involves the car in front rolling ...

What is classed as critical illness on life insurance?

The kinds of illnesses that are covered are usually long-term and very serious conditions such as a heart attack or stroke, loss of arms or legs, or disea...

Does comprehensive insurance cover mold?

These coverages exist to protect your RV against damage: Collision covers damage sustained in an accident, and comprehensive covers damage caused when you...