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What are the 3 classifications of industry?

In economics, industries are customarily classified as primary, secondary, and tertiary; secondary industries are further classified as heavy and light. H...

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Knowledge Base

Latest insights and tutorials from the The Daily Horizon team.

What is the basic car insurance coverage in Florida?

Required Auto Insurance Coverage in Florida Coverage Type Florida Requirements Bodily Injury Coverage $10,000 per person and $20,000 per accident* Propert...

Can car insurance force you to get aftermarket parts?

You have the right to request your insurance company use original equipment manufactured parts rather than aftermarket parts to repair your vehicle. If th...

What skills do you need to be a claims adjuster?

The 7 Habits of Highly Effective Independent Adjusters Habit #1: Communication. Habit #2: Time Management. Habit #3: Computer Proficiency. Habit #4: Integ...

How do I calculate the cash surrender value of an insurance policy?

To calculate your cash surrender value, take the total cash value (premiums you’ve paid minus the death benefit premiums) and subtract any surrender fees ...

Can you drop someone from your car insurance at any time?

Fortunately, auto insurance companies generally give you the right to cancel your policy at any time as long as you give proper notice. While most insuran...

How does Allstate determine salvage value?

Allstate determines that a vehicle is a total loss when it cannot be safely repaired or the cost of repairs exceeds the car’s actual cash value (ACV), whi...

Is no insurance a moving violation in Texas?

The following surcharges apply whether you receive a conviction in or outside the state of Texas….Conviction-based. Conviction Surcharge No insurance $250...

How does PPI insurance work?

Payment protection insurance (PPI) covers your monthly debt repayments on things like loans, mortgages and credit cards if you’re unable to work. What was...

How do I cancel my joint life insurance policy?

If you decide that cancelling your joint life insurance policy is the best option, you can do so by contacting your provider. Often you can cancel your po...