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Does a total loss affect insurance?

Your insurer will determine whether the vehicle is a total loss, based on repair costs. Your insurer will issue payment for the actual cash value of the t...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

How much is title in NJ?

Title fees $60 for a standard vehicle. $85 for a financed vehicle with one lien. $110 for a financed vehicle with two liens. What does NJ title insurance ...

How does a bike insurance work?

Under a comprehensive two wheeler insurance policy, your vehicle will be covered against theft, loss, and damage. This coverage will also offer personal ...

What is EPI reinsurance?

EPI – Estimated Premium Income. Amount of premium to be collected for a period estimated by cedant. ESCAPE CLAUSE. A clause providing that the reinsurer m...

What are the functions of line and staff organization?

Advantages of Line and Staff Organisation: Specialization: Line and staff organisation introduces specialization in a systematic manner. Better Discipline...

What happens when health insurance expires?

If your policy lapses, you lose the continuity benefits of the waiting period on pre-existing diseases. As the policy gets expired, you will have to buy a...

Can a hospital refuse to treat you if you have no insurance?

Privately-owned hospitals may turn away patients in a non-emergency, but public hospitals cannot refuse care. This means that a public hospital is the bes...

Is it better to work in the private sector?

The ONS report also concludes that ‘private sector high-skilled employees in the knowledge-intensive services had higher earnings on average than their co...

Can health insurance start mid month?

You can enroll up until the day your old plan ends and your new plan will take effect the first of the following month — so you won’t have any gap in cove...

What is the minimum employers liability?

You must get Employers’ Liability (EL) insurance as soon as you become an employer – your policy must cover you for at least £5 million and come from an a...