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What does accident mean in insurance terms?

Insurers use the word “accident” to describe an event that happens unintentionally, and which is unexpected or unforeseen. Insurance policies for bodily h...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

When did Workers Comp begin?

In 1911, California first provided for voluntary workers’ compensation disability benefits (Roseberry Act). Then in 1913 the Boynton Act was enacted estab...

What is flood property insurance?

Flood insurance is a type of property insurance that covers a dwelling for losses sustained by water damage specifically due to flooding. Flood insurance ...

What is an h5 policy?

What Is an HO5 Policy? Sometimes called the comprehensive form, an HO5 policy is a type of home insurance written on an open-perils basis. This means your...

How do I handle a workers comp claim?

In most cases, filing a workers’ comp claim in California is actually a three-step process: reporting the injury. filing the actual claim with your employ...

Does homeowners insurance cover damage caused by tree roots?

Tree root damage isn’t the same as other reasons for clogs and cracks. In fact, repairing tree root damage isn’t a cost that’s covered by all standard hom...

Does Medicaid coverage differ from state to state?

Each state operates its own Medicaid program within federal guidelines. As a result, Medicaid eligibility and benefits can and often do vary widely from s...

Why would someone go to the Mayo Clinic?

People just like you go to Mayo to be treated for a wide variety of conditions, including prostate cancer, breast cancer and epilepsy, as well as heart co...

Can someone with health problems get life insurance?

Many people, including those with health problems, can buy group life insurance through their employers. Coverage is typically limited to one or two times...

Does Cancelling life insurance affect credit rating?

Not quite. While you’re right about quotes not affecting your credit score, taking out an insurance policy MAY OR MAY NOT leave a mark on your file – it a...