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What is health insurance deductible vs out of pocket?

In a health insurance plan, your deductible is the amount of money you need to spend out of pocket before your insurance starts paying some of your health...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Are fallen trees covered by insurance?

Whether your insurance covers fallen trees depends whether it causes damage to the home or contents. When it comes to damage caused by fallen trees, some ...

What is a preferred provider?

A provider who has a contract with your health insurer or plan to provide services to you at a discount. Check your policy to see if you can see all prefe...

Are New York Life insurance Agents captive?

A captive agent is an agent that generally represents a single life insurance company. Products and services are limited to the products of the represente...

How do I register my motorcycle with LTO?

Bring all requirements to the appropriate LTO branch. LTO will inspect the vehicle to verify motorcycle details. Pay the LTO fees for transfer of ownershi...

How long do you have to return license plates in NY?

You have a maximum of 60 days after the date the registration was issued to apply for the 1st year of the registration fee. DMV will process a refund of t...

Do you have to pay back insurance money?

If you outlive the policy, you get back exactly what you paid in, with no interest. The money back is not taxable, as it’s simply a return of payments you...

Can creditors garnish a settlement?

Monetary compensation granted under a personal injury settlement is generally considered exempt from garnishment under California law. However, it is impo...

Can you get money back from a term life insurance policy?

If you already have a traditional term life insurance policy, there is no way to get money back after your policy expires. If you cancel the policy mid-te...

What is a typical maintenance cost per mile?

According to a study by AAA, a new car’s routine maintenance and repairs could cost an average of $0.09 per mile. What is the average cost per mile to dri...