The Daily Horizon

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How can I settle an insurance claim without an attorney?

How to Settle a Car Accident Claim Without a Lawyer Evaluate the extent of your damages. Speak to the insurance adjuster. Craft your demand letter. Do you...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Does homeowners insurance cover swing sets?

Homeowners insurance often does not cover swing sets in terms of property damage, though additional coverage can generally be added. Does insurance go up ...

Does bankruptcy Clear auto accidents?

Bankruptcy Does Not Eliminate Car Accident Judgments This is especially true if some form of alcohol or drugs were involved in the accident. An individual...

Do you need business insurance for an online boutique?

Business Liability Insurance (GL): Even if you don’t have a physical store, you still need general liability for your online clothing store. The main reas...

Why is only pure risk insurable?

Only pure risks are insurable because they involve only the chance of loss. They are pure in the sense that they do not mix both profits and losses. Both ...

Does surgery increase car accident settlement amounts?

In some cases, having surgery can increase your personal injury settlement amount. Although surgery can lead to a higher settlement, it should not be your...

Does insurance cover floor replacement?

As long as the damage was caused by a danger specified in the insurance policy for homeowners, the insurer will pay to replace your floors. If you are unc...

How do insurance companies stay in business?

Insurance companies base their business models around assuming and diversifying risk. Most insurance companies generate revenue in two ways: Charging prem...

Is it a bad idea to switch jobs while pregnant?

And whether you get paid leave or not, changing jobs while pregnant comes with no official guarantee of whether your new gig will be there when you get ba...

Do you want a 0 deductible for health insurance?

Health insurance with zero deductible or a low deductible is the best option if you expect to need major medical services during the coverage period. Even...