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How do insurance companies declare a car totaled?

Insurance companies determine a car to be totaled when the vehicle’s cost for repairs plus its salvage value equates to more than the actual cash value of...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Does a social club need liability insurance?

The only way to protect your social club and members is to have the right insurance protection in place. Take a look at these eight types of insurance tha...

Does insurance last through end of month?

Although there are no set requirements, most employer-sponsored health insurance ends on the day you stop working or at the end of the month in which you ...

Who writes windstorm insurance in Florida?

Citizens Insurance Wind-pool areas include beachfront and coastal properties that are located within 1,500 feet of a major body of water. Citizens Insuran...

Do you have to have full coverage on a car in Texas?

Texas State Minimum Auto Insurance Requirements The minimum amount of coverage required by the state of Texas is $30,000 for each injured person with a to...

How much does it cost to repair a small roof leak?

The national average roof repair cost is $955, with most homeowners spending between $365 and $1,565. Most common small roof repairs cost between $150 and...

How do I contact a UPC insurance?

Immediately notify UPC by: Calling 1-888-CLM-DEPT (888-256-3378) Filing a new claim on the UPC Insurance website. Contacting your insurance agent. What ki...

How long after an accident can you switch insurance?

You’re free to switch insurance companies at any time. Your old insurance company will still be the company dealing with the accident, and you’ll still ha...

Do I need insurance for a pit bike?

If your motorbike never sets wheels on a public road, then you don’t legally need to have it registered or insured. If you ride it on the road (even for a...

What happens if you get caught talking on the phone while driving?

If you are caught texting or holding your cell phone while driving in California, a law enforcement official can pull you over. The base fine for the firs...