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Do I need medical coverage on auto insurance?

Medical payments coverage is optional. So, if you cause a car accident and don’t have medical payments coverage, you would have to pay out of your own poc...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

When an insurance company goes after another insurance company?

Understanding Subrogation Subrogation literally refers to the act of one person or party standing in the place of another person or party. It effectively ...

How do I cash a check made out to me and my mortgage company?

Your mortgage company will also be listed on the check. Your bank won’t cash the check without the signature of everyone involved. You’ll need to endorse ...

Can an employer drop your health insurance without notice?

If you are enrolled in health insurance through your employer and it fits the definition of a large business, it cannot legally cancel your insurance, wit...

Does drug use affect life insurance?

Being a current or former drug user may make it harder for you to find life insurance coverage, but it’s not impossible. Depending on your personal histor...

Is a alternator covered under warranty?

An alternator is not a maintenance item, so yes ,it would be covered by a materials and workmanship warranty. It would likely not be covered if it were da...

What happens to homeowners insurance when the homeowner dies?

When the homeowner who purchased the insurance policy passes away, the estate executor will be responsible for notifying the insurance company. Then, the ...

Does GE still own Genworth?

on October 23, 2003, formed out of several GE Capital insurance companies. On May 25, 2004, Genworth became a publicly traded company in the largest initi...

When can a creditor ask for marital status?

When a request for credit is joint (made by two or more individuals who will be primarily liable), the creditor may ask the applicant’s marital status, re...

When does a speeding ticket affect your insurance?

But many insurance companies only look back three to five years for minor violations, including speeding tickets, when determining rates. Once that time i...