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Is mould damage covered by insurance?

As a starting point, most insurance policies do not cover mould. That is, most insurance policies expressly state that they do not cover damage if the pri...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

Do I need car insurance if I have sr22?

A: If you don’t own a car, you may still be required to have an SR-22 certificate and an SR-22 auto insurance policy. If you drive a borrowed car or rent ...

What is the loan provision in life insurance policies?

Under the policy loan provision, a permanent life insurance policy may be borrowed against, using the policy’s cash value as collateral. The cash value ca...

What happens if other driver does not accept liability?

If an insurance company does not accept liability for an accident, it means that they deny their client’s responsibility for the accident which caused you...

Can I get dental insurance without a job?

If you don’t have coverage through an employer, you can buy a full coverage dental plan on your own either through a private insurance carrier or the Heal...

Can you sue if car accident is your fault?

In California, the answer is yes. If you are partially to blame for a car accident in California, you can still recover financial damages from any other p...

Why is Hartford called the insurance city?

During the 19th century, a number of insurance companies established their headquarters in the city of Hartford, earning it the nickname, the “Insurance C...

Does commercial general liability cover employees?

A Commercial General Liability (CGL) policy protects your business from financial loss should you be liable for property damage or personal and advertisin...

Do life insurance blood tests check for nicotine?

Q: Do life insurance companies randomly test for tobacco use? A: No. But it’s likely they will test your blood, urine, or saliva (via a mouth swab) before...

What happens if your insurance finds you at fault?

In California, if you believe another driver was at fault in your accident, you can seek a settlement from that driver’s insurance company. However, the i...