The Daily Horizon

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Should I contact my insurance company if I am at fault?

Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth ...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Is driveway covered under homeowners insurance?

Your actual, physical dwelling should be covered, as well as some other structures on the property, like a garage, fence, driveway, or shed. However, if y...

Is workers comp included in general liability insurance?

Does general liability insurance cover workers’ compensation? No, they are separate, but both important commercial insurance policies. General liability a...

What does other structures coverage cover?

Other structures coverage is the part of a homeowners insurance policy that helps pay to repair or replace structures other than your home, such as a fenc...

Is New Jersey a no fault insurance state?

When it comes to car insurance coverage, vehicle owners in New Jersey are required by law to carry at least a “Basic Policy.” New Jersey is also a “no-fau...

Can you drive as a learner with someone in the car?

Yes, a learner driver can indeed drive with passengers on a provisional licence, providing that the supervisor is present and meets all legal criteria. Ho...

What is Foremost Lloyds of Texas?

Foremost Lloyds of Texas operates as an insurance company. The Company offers home, flood, umbrella, workers’ compensation, auto, and watercraft insurance...

What kind of insurance covers eyeglasses?

vision insurance At least part of the cost of your eyeglasses usually will be covered by your vision insurance—but how much depends on your plan. Consult ...

What is the main difference between the occurrence form and the claims-made form of the commercial general liability coverage part to the commercial package part to the commercial package policy?

There are two basic forms of business insurance coverage to select from: claims-made form and occurrence form. The only difference between a claims-made a...

What happens if a life insurance policy fails to meet the federal statutory definition?

The proceeds of policies that do not meet the government’s definition are taxable as ordinary income. Proceeds from genuine life insurance contracts are t...