The Daily Horizon

Featured Article

Can health insurance be negotiated?

California HMO health plans do not have negotiated rates per se since most services for HMO plans are fixed copays or co-insurance. Essentially, the provi...

Read Full Article Browse education insights

Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Can Term Life Insurance be used as collateral?

Any type of life insurance policy is acceptable for collateral assignment, provided the insurance company allows assignment for the policy. Many lenders d...

What insurance companies cover cell phones?

Compare the Best Cell Phone Insurance Company Deductible Types of Phones Covered Asurion Best Overall $9 to $249 Various SquareTrade Best for Families $14...

Do you have to use insurance company Body Shop?

No, you don’t have to use the body shop the insurance company recommends. Your car accident repair rights allow you to choose a body shop of your choice t...

Does the car you insure have to be in your name?

Generally, you can only get car insurance under a more experienced driver’s name when that person is the primary driver of the vehicle. You can insure a c...

What does reinstated mean in car insurance?

Car insurance reinstatement means that you’ve had a policy canceled, most likely for non-payment of your premium, and you have chosen to reestablish that ...

Do insurance companies ask for proof of license?

While providing a copy of your driving licence and other documents may be a minor hassle, insurers have a legitimate reason for carrying out a DVLA licenc...

What is the name of the notice sent when the insurance is coming to an end?

Closing: The document sent by a broker to an insurer confirming and finalizing an insurance cover arranged by the broker. What is an insurance rescission ...

How do you tell if a used car has been in an accident?

Crouch down at the front and back corners of the car and look carefully down the side – a good clean car should be straight and everything should line up....

How much does an insurance claim increase your premium?

Filing a claim often results in a rate hike that could be in the 20% to 40% range. The increased rates stay in effect for years, although the size and lon...