Will Your Auto Insurance Premiums Go Up after an Auto Accident?


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Will Your Auto Insurance Premiums Go Up after an Auto Accident?

Of course, you want to keep your auto insurance premiums as low as possible. But now that you’ve had an accident, will your rates climb dramatically? Is there anything you can do to avoid or limit an increase in your premiums? The answer depends on the state you live in, your insurance company’s pricing practices, and a number of other factors. For example, was the accident your fault? Was another driver or someone else’s property involved? Was anyone injured? How many accidents have you had in the past?

If this was your first accident

If it’s determined that you were at fault for a collision with another car or another person’s property, you can generally expect an increase in your premiums come renewal time, even though it was your first accident. But this is not always the case. Some companies will look past a single accident, especially if no one was injured and there was limited monetary damage. Under a forgiveness policy, your company may hold your rates stable if you have an otherwise clean driving record and have been insured with the company for a specified number of years. If this was your first accident, ask your company if it has such a policy.

If the accident was not your fault

Many states have laws that protect you from rate increases for accidents in which you were not at fault. Unfortunately, even if you were involved in an accident where the other driver was responsible, your premiums may still go up. The reason is that you may be considered more prone to accidents compared with drivers who have had no collisions. This is especially true if you have had more than one collision, even if none of them were your fault.

Generally, if the other driver caused the accident, that person’s insurance company will pay all costs, and your company will incur limited expenses on your behalf. But if your company incurs substantial expenses, your premiums could possibly increase, even though you were not at fault. For example, if your car runs into another car after slipping on a patch of ice during a storm, your level of blame would be reduced due to the ice, but your insurance company would have to pay the cost of the repairs, minus your deductible. The insurance adjuster might conclude that you could have avoided the accident, and you may now be considered a higher risk.

If the accident was your fault

Every insurance company has its own method for determining when and how much to raise your premium following an accident in which you were at fault. Some will tack on an additional 40 percent to your base policy, increasing your payments by at least that much. Others will use a complicated internal points system, grouping you in a pool with other higher-risk drivers. And if you cause additional accidents, you’ll be placed in a still higher-risk pool.

Many state insurance departments have also developed their own points formula, standardizing the rate structure for all policyholders within the state. But your insurance company will still ultimately decide how many points to add to your policy if you have an accident. And not all companies and states apply the formula in the same way. Points are gradually removed from your policy over a period of two to six years.

If the accident was minor

Suppose another driver taps you from behind while both of you are leaving a parking lot. After a quick survey, you find there is little damage to either vehicle and no one is injured. Should you and the other driver settle things between the two of you and leave your insurance companies out of it?

If you do decide to handle the matter privately, you’ll want to cover all your bases. Have the other driver sign a written agreement that absolves you from further liability. The agreement should also describe the accident and what both of you agree to do. If you fail to get something in writing, a dishonest driver could later claim that the accident was your fault, that you caused bodily injuries, and that you simply drove away from the scene without stopping. This is one reason why insurance companies want you to report all collisions, no matter how minor.

If no other driver was involved

If you damage your car while driving, but without colliding with another car or someone else’s property, you may again be tempted not to make a claim on your collision coverage. Generally, your insurance company wants you to report all accidents, no matter what the circumstances. But in this case, you could pay for repairs out of your own pocket and avoid paying higher premiums.


10/10/2017

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Degree Programs #university, #pittsburgh, #pitt, #college, #learning, #research, #students, #undergraduate, #graduate


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Degree Programs

Undergraduate BSN Program

Our Undergraduate BSN Program combines the latest in clinical theory with traditional nursing values that emphasize holistic patient care.

Accelerated 2nd Degree BSN

The Accelerated 2nd Degree BSN track is designed to enable students with a previous baccalaureate degree to earn a Bachelor of Science in Nursing (BSN) Degree in three consecutive terms.

RN Options-BSN or BSN with Early Admission to MSN or DNP

RN Options is offered fully online, and designed for registered nurses who graduated from an ACEN (NLN), ACICS, or CCNE accredited diploma or associate degree program to earn a Bachelor of Science in Nursing (BSN). Students may opt to elect admission to the MSN (Master of Science in Nursing) or BSN-DNP (Doctor of Nursing Practice).

Master of Science in Nursing (MSN)

Ranked 8th by U.S. News World Report among graduate nursing programs in 2018, our Master of Science (MSN) program will prepare you to keep pace with the changing demands of health care systems and the nursing profession. To help you to reach your career goals, we offer a major that will prepare you to be a Neonatal Nurse Practitioner as well as two Nurse Specialty Role concentrations that will lead to satisfying careers as a Clinical Nurse Leader or in Nursing Informatics.

Doctor of Nursing Practice (DNP)

The Doctor of Nursing Practice (DNP) program prepares nursing leaders for the highest levels of clinical nursing practice. Here at Pitt Nursing, you can enter most of our DNP majors after earning your BSN or MSN. We offer majors carefully designed to meet the needs of both health care systems and patient populations: Clinical Nurse Specialist , Health Systems Executive Leadership. Nurse-Midwife. Nurse Anesthesia. and Nurse Practitioner (six concentrations!).

Doctor of Philosophy (PhD)

The Doctor of Philosophy (PhD) program prepares nurse scholars who will discover and extend scientific knowledge that advances the science and practice of nursing and contributes to other disciplines.

Certificates and Minors

The School of Nursing offers Certificate and Minor options. These opportunities allow you to broaden your educational preparation and increase your marketability.

Check here to find out the deadlines for applying to any of Pitt Nursing’s degree programs.

Out-of-state online students now pay in-state tuition rates.
Academics Brochure


23/09/2017

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Top School in Pittsburgh for Criminal Justice & Law Enforcement #criminal


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Top School in Pittsburgh for Criminal Justice Law Enforcement

School and Ranking Information

Pittsburgh, PA, has nine schools within a 25-mile radius that offer criminal justice programs. Based on graduation rates and program offerings, the top three are Point Park University, La Roche College and Pennsylvania State University-Penn State Beaver.

  • Winner: Point Park University offers both bachelor’s and master’s degrees and is ranked among regional universities by U.S. News World Report .
  • Runner-Up #1: La Roche College is also ranked among regional universities by U.S. News World Report. It offers bachelor’s degrees.
  • Runner-Up #2: Pennsylvania State University-Penn State Beaver also offers bachelor’s degrees and features an on-campus lab.

School Comparison Chart

  • Master
      • Master of Arts in Law – Criminal Justice
      • Master of Arts in Government – National Security Affairs
      • Master of Arts in Law – National Security
      • Master of Public Administration – Emergency Management and Homeland Security
      • Master of Arts in Law – Mediation
  • Bachelor
      • Bachelor of Science in Criminal Justice – Law Enforcement
      • Bachelor of Applied Science in Criminal Justice
      • Bachelor of Arts in Leadership Studies – Criminal Justice
      • Bachelor of Science in Criminal Justice
      • Bachelor of Science in Criminal Justice – Corrections
      • Bachelor of Science in Professional Studies – Criminal Justice

Get Started with Regent University

4 Keiser University

Minimum eligibility requirements:
  • Must be a high school graduate.
School locations:

Get Started with Keiser University

5 Strayer University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with Strayer University

6 American InterContinental University

Minimum eligibility requirements:
  • Must be a high school graduate or have completed GED
School locations:

Get Started with American InterContinental University

7 University of the Rockies

Minimum eligibility requirements:
  • Psychology programs do not lead to licensure and do not prepare an individual to become a licensed psychology professional
  • An online degree does not lead to teacher licensure in any state; online education programs are not CAE or TEA or NCATE accredited which is a requirement for certification in some states.
School locations:
  • Doctorate
      • Doctor of Psychology – Criminology and Justice Studies
  • Master
      • Master of Arts in Psychology – Criminology and Justice Studies

  • Master of Arts in Law – Criminal Justice
  • Master of Arts in Government – National Security Affairs
  • Master of Arts in Law – National Security
  • Master of Public Administration – Emergency Management and Homeland Security
  • Master of Arts in Law – Mediation
  • Bachelor of Science in Criminal Justice – Law Enforcement
  • Bachelor of Applied Science in Criminal Justice
  • Bachelor of Arts in Leadership Studies – Criminal Justice
  • Bachelor of Science in Criminal Justice
  • Bachelor of Science in Criminal Justice – Corrections
  • Bachelor of Science in Professional Studies – Criminal Justice
  • View more
    • BA in Criminal Justice
    • BA in Homeland Security
    • AA in Criminal Justice
    • AA in Homeland Security
    • View more
    • Doctor of Psychology – Criminology and Justice Studies
    • Master of Arts in Psychology – Criminology and Justice Studies

  • 12/09/2017

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  • Pittsburgh Personal Injury Attorneys #personal #injury,workers #compensation,car #accident,motocycle #accident,attorney,lawyer,pennsylvania,pittsburgh


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    Who We Are

    We’re Edgar Snyder & Associates – a personal injury and workers’ compensation law firm committed to helping victims hurt through no fault of their own. Since 1982, we’ve represented over 50,000 injured people.

    Our clients have peace of mind knowing they have a skilled and experienced legal team on their side. Edgar Snyder & Associates has a proven track record of success. having recovered over a billion dollars on behalf our clients and their families.

    You May Be Looking For.

    Do I Have a Case?

    Find out if you have a case, right now. If you or someone you love has been injured in an accident, call Edgar Snyder & Associates today for a free consultation. Our phones answer 24/7 call us toll-free at 1-866-943-3427. You can also contact us via online live chat or by filling out the free legal evaluation form. You have nothing to lose. The call and confidential consultation are free. And remember, there’s never a fee unless we get money for you .

    What Does it Cost?

    When we say “there’s never a fee unless we get money for you,” we mean it. It’s more just a slogan you may have seen in our TV commercials – it’s a promise to our clients.

    • You get a free legal consultation.
    • There are no upfront costs.
    • There are no hourly attorney fees.
    • In fact, you don’t pay us a penny unless – and until – we successfully resolve your case.

    At Edgar Snyder & Associates, we work on what’s known as a contingency fee – which means you owe us nothing unless we win for you.

    What Types of Cases Do You Handle?

    Personal Injury

    At Edgar Snyder & Associates, we help people hurt in car, truck and motorcycle accidents as well as those injured by defective products, dog bites, slip and falls, and more. We get you the compensation you deserve for medical bills and lost work time as well as pain and suffering. Most of the time, you don’t need to go court. But if your case requires a fight, we stand up to the insurance companies that try to give you less than you deserve.

    Workers’ Compensation

    If you’ve been hurt on the job, you can depend on Edgar Snyder & Associates to help you navigate the Workers’ Compensation system. We have a team of attorneys dedicated solely to helping injured workers. We’re here to help, whether you’ve been denied benefits, are in danger of losing them, or if you want to settle your claim for a lump sum of money so you can Get Off Comp, and Get On With Your Life. In some cases, you may even be entitled to a personal injury settlement or third-party claim.

    Social Security Disability

    Do you have a severe physical or mental disability? If so, we can help you apply for SSD benefits. If you’ve filed and were denied SSD, we can cut through the red tape and help you appeal.

    What Sets Us Apart From Other Injury Lawyers?

    At Edgar Snyder & Associates, we exclusively help people injured in accidents, hurt on the job, or who are disabled and need SSD benefits. It’s all we do. Every day.

    You don’t want just any lawyer. Think of it this way – if you needed surgery, wouldn’t you want a trusted doctor who had performed the procedure many times before? It’s the same with attorneys. And we’ve been focused on helping injured people from day one.

    If you’ve been injured, we can help you like we’ve helped so many others. Simply fill out the form on this page for a free legal consultation, start a live chat, or call us at 1-866-943-3427 for your free consultation.

    Why Choose Edgar Snyder & Associates?

    There are many reasons to choose our law firm to get you the justice and the compensation you deserve to cover medical bills. lost wages, and pain and suffering.

    • Experience Counts – Since 1982, we’ve represented over 50,000 injury victims.
    • Results Matter – Check out our track record of success .
    • Resources – Proving a case can be expensive, and we’ve got you covered. We also have our own investigations team that will piece together the evidence needed to prove your case.
    • Caring and Compassionate – We treat our clients as we would treat our friends and family. But don’t trust our word for it See what our clients say .

    Is Edgar Snyder & Associates One of the Best Law Firms in America®?

    At Edgar Snyder & Associates, we are honored to have been selected as one of the Best Law Firms in America®. and have received the AV Preeminent rating from Martindale Hubbell the highest possible rating for legal ability and ethical standards.

    We are also proud of our A+ ranking from the Better Business Bureau. and that many of our attorneys are members of the Million Dollar and Multi-Million Dollar Advocates Forums. Many of our partners are board-certified by the National Board of Trial Advocacy, and most of our attorneys have been selected for inclusion in the Pennsylvania Super Lawyers or Rising Stars lists.

    Where is Edgar Snyder & Associates Located?

    Edgar Snyder & Associates has offices in Altoona, Ebensburg, Erie, Johnstown, and Pittsburgh, PA. But if you’re seriously injured, you don’t need to come to us. We come to you – at your home, hospital or wherever is most convenient.

    All of our attorneys are licensed to practice in Pennsylvania. Plus, we have attorneys licensed to practice in Maryland, Ohio, Virginia, and West Virginia. If you’re injured anywhere in the United States, we can help by referring you to a reputable and experienced law firm where you live.


    10/08/2017

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    Outpatient Treatment Center in South Side Pittsburgh #pittsburgh #rehab #centers


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    South Side Pittsburgh Outpatient Treatment Center

    Our South Side treatment center offers substance abuse treatment including professional drug, alcohol, and mental health assessments and treatment recommendations, as well as individual, family, and specialized group therapy. We also provide treatment for co-occurring mental health disorders at this facility, as well as Suboxone treatment for adults. This location is easily accessible by bus and is located just a few blocks from East Carson Street. A wide variety of payment types are accepted.

    Services available here

    Contact This Location

    Alix Armstrong, Program Manager 2100 Wharton Street Suite 321 Pittsburgh. PA 15203 Phone: (412) 481-1922 Fax: (412) 481-1933

    Not sure what type of help you need? Take Assessment It’s FREE and only takes 5 minutes.

    Contact Pyramid Healthcare and get confidential help.

    ACCREDITED BY THE COMMISSION ON THE ACCREDITATION OF REHABILITATION FACILITIES

    By submitting this form, I agree to be contacted by Pyramid Healthcare. One of our experienced intake professionals will contact you shortly to discuss your treatment and recovery options. We respect your privacy, and all information shared with us is completely confidential.


    25/07/2017

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    Allegiant Air plans more nonstop flights for Pittsburgh #cruise #travel #agents

    #airline tickets
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    Allegiant Air is making Pittsburgh a base of operations

    By Mark Belko / Pittsburgh Post-Gazette

    It won t arrive in time for Mardi Gras but Allegiant Air is giving Pittsburgh-area travelers reason to celebrate: A new nonstop flight to New Orleans.

    Allegiant will start twice-weekly service to the Crescent City from Pittsburgh International Airport on Feb. 19. The airline, which is expanding rapidly in Pittsburgh, also is adding a new seasonal flight to Palm Beach, Fla. and expanding its seasonal service to Myrtle Beach.

    Since touching down in Pittsburgh last February with flights to three Florida cities, the Las Vegas-based airline has added four others, counting the two new ones to be formally announced today.

    It also will make Pittsburgh a base of operations next month, a distinction that will bring with it up to 40 jobs and a permanently-based 156-seat Airbus 319 aircraft.

    With the new flights, Allegiant will become the airport s fourth largest carrier in terms of destinations behind Southwest, American and Delta.

    Pittsburgh travelers have been pretty enthusiastic about us. We really saw an opening for ultra low-cost service, which Pittsburgh hasn t previously had. The response that we ve seen has been overwhelmingly positive, Allegiant spokesman Justin Ralenkotter said.

    Pittsburgh has been without a nonstop flight to New Orleans for 10 years. For at least the last two years, the airport has been offering incentives such as landing fee waivers and increased marketing support to carriers willing to commit to nonstop flights to desired destinations.

    In conjunction with that, Allegiant will not have to pay gate or landing fees for the New Orleans and Palm Beach flights for a year.

    The twice-weekly New Orleans service will fly into Louis Armstrong New Orleans International Airport. Fares will start as low as $39 one way.

    Seasonal twice-weekly service to Palm Beach International Airport also will begin Feb. 19 with fares as low as $39 and operate through May 16. Allegiant will be competing on that route with Southwest Airlines, which will be offering a Saturday-only nonstop to the same airport from March 12 through April 9.

    We re really not competing for the same passengers as other carriers. We see ourselves as complementing or adding more choice to travel, Mr. Ralenkotter said.

    Allegiant will be starting its seasonal twice weekly service to Myrtle Beach April 7 next year, two months earlier than this year.

    Mr. Ralenkotter said the route has performed exceptionally well for us. The airline aims for planes that are at least 90 percent full, and the Myrtle Beach flight has exceeded those expectations, he noted.

    He added there is no hard or fast rule how quickly the airline expands in a city. Cincinnati, which like Pittsburgh has lost an airline hub, currently has Allegiant flights to 11 cities. Indianapolis has flights to seven destinations.

    Pittsburgh has done very well for us. We ve been very pleased with the results that we ve seen from the market there and how people have taken to our service in booking those flights, he said.





    10/07/2017

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    Allegiant Air plans more nonstop flights for Pittsburgh #his #travel

    #airline tickets
    #

    Allegiant Air is making Pittsburgh a base of operations

    By Mark Belko / Pittsburgh Post-Gazette

    It won t arrive in time for Mardi Gras but Allegiant Air is giving Pittsburgh-area travelers reason to celebrate: A new nonstop flight to New Orleans.

    Allegiant will start twice-weekly service to the Crescent City from Pittsburgh International Airport on Feb. 19. The airline, which is expanding rapidly in Pittsburgh, also is adding a new seasonal flight to Palm Beach, Fla. and expanding its seasonal service to Myrtle Beach.

    Since touching down in Pittsburgh last February with flights to three Florida cities, the Las Vegas-based airline has added four others, counting the two new ones to be formally announced today.

    It also will make Pittsburgh a base of operations next month, a distinction that will bring with it up to 40 jobs and a permanently-based 156-seat Airbus 319 aircraft.

    With the new flights, Allegiant will become the airport s fourth largest carrier in terms of destinations behind Southwest, American and Delta.

    Pittsburgh travelers have been pretty enthusiastic about us. We really saw an opening for ultra low-cost service, which Pittsburgh hasn t previously had. The response that we ve seen has been overwhelmingly positive, Allegiant spokesman Justin Ralenkotter said.

    Pittsburgh has been without a nonstop flight to New Orleans for 10 years. For at least the last two years, the airport has been offering incentives such as landing fee waivers and increased marketing support to carriers willing to commit to nonstop flights to desired destinations.

    In conjunction with that, Allegiant will not have to pay gate or landing fees for the New Orleans and Palm Beach flights for a year.

    The twice-weekly New Orleans service will fly into Louis Armstrong New Orleans International Airport. Fares will start as low as $39 one way.

    Seasonal twice-weekly service to Palm Beach International Airport also will begin Feb. 19 with fares as low as $39 and operate through May 16. Allegiant will be competing on that route with Southwest Airlines, which will be offering a Saturday-only nonstop to the same airport from March 12 through April 9.

    We re really not competing for the same passengers as other carriers. We see ourselves as complementing or adding more choice to travel, Mr. Ralenkotter said.

    Allegiant will be starting its seasonal twice weekly service to Myrtle Beach April 7 next year, two months earlier than this year.

    Mr. Ralenkotter said the route has performed exceptionally well for us. The airline aims for planes that are at least 90 percent full, and the Myrtle Beach flight has exceeded those expectations, he noted.

    He added there is no hard or fast rule how quickly the airline expands in a city. Cincinnati, which like Pittsburgh has lost an airline hub, currently has Allegiant flights to 11 cities. Indianapolis has flights to seven destinations.

    Pittsburgh has done very well for us. We ve been very pleased with the results that we ve seen from the market there and how people have taken to our service in booking those flights, he said.





    09/04/2017

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    Cheap Flights to Pittsburgh: Get Tickets Now #best #price #on #airfare

    #plane ticket
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    Cheapest Flights to Pittsburgh

    Top Destinations Similar to Pittsburgh

    Pittsburgh Flights

    Great Deals on Pittsburgh Flights

    You can get the best prices on flights to Pittsburgh through Expedia. No matter what time of year you travel, you will always see a variety of fares that can suit nearly anyone’s needs and budget. Cheap flights to Pittsburgh are more common during the winter months, though the other three seasons offer plenty of great deals as well. When searching Expedia for tickets to Pittsburgh, look for flights that depart during weekdays. For even better deals, use Expedia’s flexible flight search tool. This will allow you to view prices for the entire month of your travel. Pittsburgh airfare is less expensive when you allow for flexibility. Be sure to check prices on Pittsburgh flights through multiple carriers and from all of the departure points that are nearest to your home.

    More Reasons to Fly to Pittsburgh

    Many people visit Pittsburgh for business purposes, but many others prefer to tour this city that has repeatedly been named one of the most liveable cities in the United States. Flights to Pittsburgh can also give you easy access to some of the beautiful sites that surround this part of Pennsylvania. Cheap flights to Pittsburgh are much more reasonable than chartered flights to some of the nearby smaller towns in Pennsylvania, West Virginia, and Ohio. Simple purchase cheap flights to Pittsburgh through Expedia, then use a rental car or public transit to reach the ultimate destination that you have in mind.

    Book Your Flight with Expedia

    Expedia lets you search across the largest number of airlines and flights, which means that you’ll be able to find great flight deals at the perfect travel date and time. There’s simply no substitute for great prices suited to your flight needs and backed by excellent customer support.

    Navigating the Pittsburgh Airport

    Pittsburgh Intl. Airport is well known as one of the first airports to offer wireless internet access to all passengers. The airport was also innovative in offering AirMall, a shopping experience for those waiting for their flights. When you spend time at the Pittsburgh Airport, be sure to stop at one of the many shops and dining establishments that are available. If at anytime you feel lost, confused, or simply need help with your travels, contact an Airport Ambassador. These volunteers can guide you through the airport and can give travel advice for free.





    15/03/2017

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