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How long does an insurance surcharge last?

Typically, a surcharge remains in place for between three and 10 years, McChristian says. Bryan Cook, a Whitinsville, MA-based senior assistant vice presi...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Is New York Life legit?

New York Life is one of the most respected insurance providers in the country and the largest mutual life insurance provider anywhere. It’s renowned not o...

What kind of loss is loss of employment due to injury?

Workers’ compensation replaces income that is lost because of a job-related injury or illness. Disability insurance covers income lost due to injuries and...

How do I know if my insurance company is good?

Here’s a checklist for things you must consider in an insurance company: #1: Check the insurance company’s financial strength. #2: Check for proper state ...

Is insurance expensive for a bike?

The average cost of motorcycle insurance in the US is $1,173 per year for a full coverage policy. Like car insurance, motorcycle insurance gets more expen...

Is comprehensive and collision the same as full coverage?

Collision Insurance covers damage to your vehicle in the event of a covered accident involving a collision with another vehicle. Comprehensive car insuran...

How many points is 20 mph over speed limit?

Here are the points one can get for speeding: 3 points for driving 1-10 MPH over the posted limit; 4 points for driving 11-20 MPH over the posted limit; 6...

Does your car insurance follow you or the car?

Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, ...

Do seats affect insurance?

Changing the upholstery of your car to sports or leather seats almost certainly won’t affect your premium, but more radical changes, such as removing seat...

What are provisions in an insurance policy?

Policy provisions are clauses in an insurance contract that lay out the exact conditions for which coverage is provided and for what amounts, along with e...