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What happens when insurance says car is a 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...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Is it OK to have no life insurance?

If you’re a single person with no dependents, you probably don’t need life insurance — at least not yet. Financial experts recommend life insurance partic...

Do all drivers need to be insured?

Yes, every car on Australian roads must have Compulsory Third Party (CTP) insurance on their vehicle, otherwise known as Green Slip cover in New South Wal...

How do insurance underwriters make money?

Underwriting. For insurance companies, underwriting revenues come from the cash collected on insurance policy premiums, minus money paid out on claims and...

Is life insurance an investment product?

Cons of Term Life Insurance When you buy a term policy, all of your premiums go toward securing a death benefit for your beneficiaries. Term life insuranc...

What does FR 44 cover?

An FR44 is a document of financial responsibility—in Florida and Virginia—proving that you carry car insurance after a driving incident like a DUI or driv...

When the insured selects the extended term Nonforfeiture option the cash value?

If you chose the extended term nonforfeiture, then your accumulated cash value would purchase an extended term insurance policy with a term of 30 years an...

Who is the Medicare program administered by?

Centers for Medicare and Medicaid Services Medicare is a national health insurance program in the United States, begun in 1965 under the Social Security A...

How can I lower my car insurance after two accidents?

In this article: Tell Your Car Insurance Provider About Your Accident. Ask Your Auto Insurer About Accident Forgiveness. Find A Car Insurance Provider Wit...

What does Aflac pay for accidents?

Initial Accident Hospitalization Benefit Aflac will pay $1,000 when a covered person is confined to a hospital for at least 24 hours for injuries sustaine...