Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
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Young drivers make up 13% of the total population of licensed drivers in the United States, and are typically viewed by insurers as the riskiest and costliest group of drivers to insure. Car insurance for college students and teenagers tends to be quite expensive, but there are opportunities to save if parents and young drivers know where to look. Our study of car insurance quotes for young drivers ranged from around $900 to $11,300 depending on where students lived. We'll take a look at the considerations and discounts on car insurance for college students, teenagers, and their parents.
Cost of Student Auto Insurance
Car Insurance for College Students
Car Insurance for Teenagers
How to Save on Student Car Insurance
FAQs
How Much Can Student Car Insurance Quotes Cost?
We sampled quotes for student car insurance across the United States, and found the average to be $5,411 for a single male 18 year old with liability coverage just above the state minimum. Your individual rates may differ based on your background, the car you drive, and the coverage you seek.
State
Annual Premium
Alabama
$4,692
Alaska
3,144
Arizona
4,468
Arkansas
6,792
California
6,177
Colorado
4,792
Connecticut
7,964
Delaware
8,716
Florida
4,278
Georgia
4,732
Hawaii
900
Idaho
3,309
Illinois
6,279
Indiana
3,330
Iowa
4,248
Kansas
4,680
Kentucky
9,807
Louisiana
11,176
Maine
3,188
Maryland
9,252
Massachusetts
4,076
Michigan
11,271
Minnesota
3,366
Mississippi
3,978
Missouri
3,784
Montana
4,656
Nebraska
3,927
Nevada
7,208
New Hampshire
4,335
New Jersey
9,048
New Mexico
5,504
New York
6,216
North Carolina
1,953
North Dakota
5,244
Ohio
3,352
Oklahoma
7,464
Oregon
5,024
Pennsylvania
10,208
Rhode Island
8,000
South Carolina
2,752
South Dakota
4,320
Tennessee
4,092
Texas
4,068
Utah
4,827
Vermont
3,432
Virginia
3,471
Washington
6,000
West Virginia
6,088
Wisconsin
7,227
Wyoming
3,738
Show All Rows
Car Insurance for College Students
The most salient question to answer is whether the student will remain on their parents’ policy or obtain their own insurance. To determine this, we’ll discuss insurance costs and liability risks for each scenario.
College Students Remaining on Parents’ Policy
As a parent, are you willing to keep your college student on your policy? Students, are your parents willing to continue to cover you? All things equal, this arrangement generally results in a cheaper overall auto insurance cost for the combined family.
As Kris Kirchner, President of First Florida Insurance Network of Central Florida explains, the parents will have an established credit file and likely be eligible for a better tier of rating (especially if they have higher limits of liability), as well as access to multi-car discounts. These factors typically translate into more favorable auto insurance costs overall. However, this means that the parents’ assets are still on the hook for any accidents that college students may get into (beyond the liability limits of the policy).
If your child is attending college more than a hundred miles away from home without the car, then parents may be eligible for an away from home discount, or be able to remove their students off their policy for the time they’re away. We’ll cover this in more detail in our discount section.
Should a College Student Buy Their Own Policy?
While young drivers typically are more expensive to insure, having a separate policy would typically reduce liability exposure for the parents. Any accidents or moving violations will only impact the individual’s policy premiums, and any liability beyond the insurance coverage amounts will be limited to the college student’s assets.
Leigh Needelman, President of Florida Assures, Inc., recommends that college students have their own policy for the sake of their parents. “Of primary importance, this separation limits the parents’ exposure to rate hikes due to points accumulated by your college child’s accidents or moving violations. Also, keep in mind that companies typically assign the highest-rated driver aka the youngest, to the highest-rated vehicle, thereby causing higher premium costs to the parents. Lastly, in case of a serious accident, the parents’ “deeper pockets” will not be accessible and any litigious action will be limited to the college student’s policy.”
Based on our study, the average cost for a basic policy with coverage slightly higher than mandatory state minimums is $5,411 for an 18 year old male driver across America. You can save with tips from our research into the cheapest companies for teen drivers here.
Car Insurance for Teenagers
If your teenager has a permit, insurance companies will require them to be listed on the auto insurance policy. Teenagers learning to drive typically get rated as permit status, which has little to no effect on premiums.
The situation changes once your teen passes his or her road test. It’s only when teenagers become licensed operators that the premium changes on the parents’ policies, notes Kirchner. There are a few discounts that parents can take advantage of to help reduce the impact of the increase.
Cheap Car Insurance for Young Drivers
In spite of their reputation as costly to insure, young drivers have access to a number of discounts that can lower their risk and auto insurance costs. Here are several discounts to get cheap auto insurance quotes for your college student and teenager.
Good Student Discount
Auto insurance companies typically will offer discounts for single and full-time students with good grades, some even up to the age of 25 after college graduation. Requirements and amounts can be different from company to company. For example, for eligible students, State Farm cuts 25% off of your policy, Allstate provides discounts up to 20%, and GEICO can reduce premiums by up to 15%. To be safe, we suggest you send a copy of your student's report card into the appropriate representative at their insurance office. As their academic career progresses, you may need to send in subsequent copies of their report cards, although some carriers don't require this.
Young Driver Education Programs
Check if your insurer has an education program for young drivers. If your teenager successfully completes these courses, you may be eligible for a further discount. As an example, Allstate grants a 10% discount to eligible graduates of their teenSMART education program.
Student Away from Home: Resident Student / Permissive Driver / Reduced Mileage
If the student lives at least 100 miles away from home and doesn't have a car at school, you may be able to benefit from three types of savings. Your insurance company may offer a resident student discount if you meet the two requirements above. Otherwise, you can consider temporarily removing your child from the policy to save money, but then your student may risk not be covered in accidents on campus. They’ll still be able to drive the car during spring and winter breaks, provided it’s not for more than thirty days. During this time, they usually fall under the category of permissive driver. Once summer break comes around, however, they’ll presumably be living with you more than a month at a time, and will need to be added back to the policy. Without your student driving your car, you may be eligible for a reduced mileage discount, so be sure to check with your insurer.
However, if your child is taking the automobile to school with them, they are not eligible for any of these.
Student Driver at College
If your student driver will be driving your car away from home, you will need to update your insurance for a material risk change to adequately cover this. Your premium will change depending on where the car is garaged and driven. Therefore, if your son or daughter’s campus is in a less actuarially risky place, then your auto insurance costs may decrease. Remember to update this when your child drives the car back home for the summer too.
Teenager–Vehicle Assignment
As mentioned above, companies can assign the highest-rated driver (usually the youngest) to the highest-rated vehicle, in Needelman’s experience. It’s worthwhile to check if you can minimize costs by assigning and restricting your teenager to the safest car or an older car.
Building Credit
In addition to the relative inexperience of student drivers, another reason they tend to see higher quotes is their thin credit file. One long-term approach to this is to begin building a credit card history with great repayment records and responsibility.
FAQs for Student Drivers
Here are several questions we typically get asked about student auto insurance.
How much insurance coverage should I get for student car insurance?
If the college student is on their own, they should at a minimum purchase the mandatory state liability coverage. If they have more assets to protect, then they should purchase as much as they can afford. Kirchner recommends striking the right balance between coverage and price, "but coverage should always be most important unless it is an issue of whether or not one can afford it at all". In his experience, this generally means keeping the child on the parents’ policy as they will generally have access to higher limits (more protection), with the higher costs being offset by multi-car and credit-scoring discounts the child otherwise would not have. For more information: how much auto insurance should I get?
What factors affect the cost of student car insurance?
General factors that typically impact the cost of auto insurance include: where the vehicle is garaged and driven, the age and marital status of a driver, the make and model of the car insured, the number of accidents and traffic violations, as well as credit file. These variables are weighted differently depending on your insurance company's underwriting methodology, and your state's auto insurance regulations. For example, insurance costs for a four-door family–style sedan like a Honda or Toyota are generally priced lower than insurance for a high performance vehicle like a Mustang, Camaro or Infiniti G35, according to Needelman.
Why are car insurance costs so high for young drivers?
Drivers under the age of 25 typically are costlier to insure because they have fewer years of driving experience and tend to have higher rates of accidents and claims filed. Furthermore, they also generally have less credit history, which can be interpreted adversely in certain states.
Are young male drivers more expensive to insure than young female drivers?
Yes. This is primarily because insurance companies' statistics show that young male drivers are more likely to be involved in car accidents compared to young female drivers. For example, in the state of California, rates for 19 year old males are on average 14% higher than rates for 19 year old females.
Does it matter who owns the car that a student is driving?
Yes, to a certain extent, according to Kirchner. If a parent owns a car that a student primarily drives, Kirchner suggests keeping the car insured under the parents' policy, since the parents would be brought into a suit in the event of an accident. If the student co-owns the vehicle along with their parents, he or she has the option of having an individual policy or being included on the parents’ policy. If the child owns the vehicle himself or herself and are 18+, they should be on their own policy, but can be on the parents’ policy if living at home.
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