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Who decides which driver was at fault in an accident?

Insurance company adjusters determine fault in an auto accident after reviewing the police report and other evidence. They may also ask you and the other ...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

How are insurance agents and brokers similar?

What is the difference between an agent and a broker? There are two main differences between insurance agents and brokers: Agents represent insurers, whil...

Which type of life insurance covers you for a set period of time?

Term life insurance Term life insurance is a life insurance policy that expires at the end of a set period of time, typically between 10 and 30 years. You...

Which type of credit insurance repays your loan in the event of a loss of income due to illness or injury?

The most common types of credit insurance are: Credit life insurance: This coverage repays some or all of your loan if you die. Credit disability insuranc...

What is the basic limit of coverage a dwelling in the Ho 6 condo owners policy?

First, the basic structural coverage of the standard unit owners policy (HO 6) is generally quite inadequate. For starters, the perils covered are the equ...

What does it mean when your benefits are waived?

Sometimes employees decide to waive employer-sponsored health insurance coverage—waiving or waving meaning that the employee is opting out of the plan. Wh...

What is the cheapest ZIP code for car insurance?

The least expensive ZIP code in America is 24450 in Lexington, Virginia. Folks pay an average of $2,018.13 annually for auto insurance. The most expensive...

How do I determine fire protection class?

The class is determined by the responding fire department that will respond in the event of a fire. If you are inside the city limits, you are assigned a ...

What does liability insurance cover if im at fault?

Auto liability insurance coverage helps cover the costs of the other driver’s property and bodily injuries if you’re found at fault in an accident. If you...

What is an example of an endorsement?

When a famous athlete announces that he wears a certain brand of sneakers, this is an example of an endorsement for the sneaker brand. An example of an en...