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What makes an insurance policy valid?

In general, an insurance contract must meet four conditions in order to be legally valid: it must be for a legal purpose; the parties must have a legal ca...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Are snowmobiles covered under homeowners insurance?

The National Association of Insurance Commissioners notes that your snowmobile will typically not be covered by your homeowners, renters or auto insurance...

Can your driving record be checked by your insurance company?

Do All Car Insurance Companies Check Your Driving History? The simple answer is yes. You cannot avoid having your driving record checked if you want auto ...

Do insurance companies keep records?

It’s very important to keep in mind that insurance companies have all of your past medical records and accident history reports. How long does a car accid...

Does an underage affect car insurance?

Underage drinking and car insurance rates For a teenager, a violation of this severity can double car insurance premiums. The financial impact of the viol...

What does a credit score have to do with homeowners insurance?

Credit-based insurance scores predict the likelihood that you will file an insurance claim. Unlike a regular score, which is typically the sole or primary...

Does liability pay for stolen car?

No, liability insurance does not cover a stolen car. Liability insurance covers damage that you cause to other people or their property in an auto acciden...

Does Hipaa require employers to offer health coverage?

Health insurance benefits — HIPAA does not require employers to offer a specific level of benefit. The insurance premiums, copayments, and deductibles may...

Can insurance companies give out personal information?

Do auto and homeowners insurance companies share my information about claims and policies? Yes. There are specialty consumer reporting agencies that colle...

How do I settle an accident claim without insurance?

How to settle without insurance Always exchange contact information with the other drivers. Get a record of the damage. Obtain a police report. Get quotes...