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.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
How Much Is Auto Insurance?
Scroll through the table below to find the cost of car insurance in your state or use the form to find a cheaper quote for auto insurance:
State
Monthly Car Insurance Rate Annual Car Insurance Rate
Alabama $128 $1,536
Alaska $135 $1,620
Arizona $103 $1,236
Arkansas $118 $1,416
California $165 $1,980
Colorado $131 $1,572
Connecticut $138 $1,656
Delaware $133 $1,596
Florida $154 $1,848
Georgia $184 $2,208
Hawaii $118 $1,416
Idaho $89 $1,068
Illinois $115 $1,380
Indiana $101 $1,212
Iowa $89 $1,068
Kansas $114 $1,368
Kentucky $126 $1,512
Louisiana $165 $1,980
Maine $81 $972
Maryland $152 $1,824
Massachusetts $135 $1,620
Michigan $214 $2,568
Minnesota $114 $1,368
Mississippi $116 $1,392
Missouri $102 $1,224
Montana $167 $2,004
Nebraska $109 $1,308
Nevada $115 $1,380
New Hampshire $81 $972
New Jersey $158 $1,896
New Mexico $113 $1,356
New York $97 $1,164
North Carolina $87 $1,044
North Dakota $142 $1,704
Ohio $76 $912
Oklahoma $130 $1,560
Oregon $110 $1,320
Pennsylvania $119 $1,428
Rhode Island $167 $2,004
South Carolina $109 $1,308
South Dakota $129 $1,548
Tennessee $115 $1,380
Texas $134 $1,608
Utah $98 $1,176
Vermont $95 $1,140
Virginia $92 $1,104
Washington $124 $1,488
Washington D.C. $176 $2,112
West Virginia $209 $2,508
Wisconsin $90 $1,080
Wyoming $127 $1,524
Show All Rows
Find the Cheapest Auto Insurance Quotes in Your Area
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We looked at data from states' Departments of Insurance data and saw that annual premiums are on the rise in most US states. The average cost of insurance for automobile owners has generally risen, Arkansas, Georgia, North Carolina, and Virginia being the exceptions. These quotes for car insurance in select states in the US will give you a good estimate for the annual average cost of car insurance.
Is the minimum liability coverage in a standard auto policy enough?
The minimum coverage required by law varies depending on the state you live in. It’s not all you should have, however. The overall cost of an accident can exceed the liability limits on a driver’s policy. When that happens, the driver’s personal assets are exposed, and can be seized in a lawsuit to pay for the rest of the claim.
Patti Clement, First Vice President of HUB International in New York, NY, said, “Make sure that you purchase the appropriate liability coverage, not the minimum available. If there is an accident, and you have split limits and do not have good coverage, you will be out of pocket, whatever the damages are, over and above those limits for bodily injury and property damage.”
How much liability coverage do I need on my car insurance policy?
“I urge prospective clients to buy as much liability coverage as they can reasonably afford, preferably in excess of your total assets and then some,” advised Kristofer Kirchen, President of First Florida Insurance Network of Central Florida. “The reason is that regardless of what your assets are, you have no control over who gets injured or the extent of that injury.”
Is there additional room in your budget to accommodate more coverage? It is rather impossible to foresee what accidents may happen, and how much exposure you’ll have. It is however, straightforward to cap that exposure at the total value of your assets with some room for growth. Tally the value of your house, automobiles, investments, retirement accounts, banking accounts, and other property with a buffer.
At the very least, motorists are required by law to carry the statutory liability protection or proof of financial responsibility (in certain states). “If pressed by someone who cannot afford more, I would say that they should get at least 25/50/25, but I reiterate that people should buy as much as they can afford,” recommends Kirchen.
If you're interested in looking up what the minimum coverage requirements are in your particular state, look no further. In the table below you'll see three numbers listed in the "Coverage Requirements" section. The first two numbers represent the bodily injury liability requirements and the third number references property damage. For example, in Alabama $25,000/50,000/25,000 means that the insurance company will cover each person involved in an accident up to $25,000 each or $50,000 per accident. Additionally, the insurer will cover up to $25,000 (the third number) for any property damage you cause.
State
Coverage Requirements
Alabama $25,000/50,000/25,000
Alaska $50,000/100,000/25,000
Arizona $15,000/30,000/10,000
Arkansas $25,000/50,000/25,000
California $15,000/30,000/5,000
Colorado
$25,000/50,000/15,000
Connecticut $25,000/50,000/25,000
Delaware $25,000/50,000/10,000
District of Columbia $25,000/50,000/10,000
Florida $10,000/20,000/10,000
Georgia $25,000/50,000/25,000
Hawaii $20,000/40,000/10,000
Idaho $25,000/50,000/15,000
Illinois $20,000/40,000/15,000
Indiana $25,000/50,000/10,000
Iowa $20,000/40,000/15,000
Kansas $25,000/50,000/10,000
Kentucky $25,000/50,000/10,000
Louisiana $15,000/30,000/25,000
Maine $15,000/30,000/10,000
Maryland $30,000/60,000/15,000
Massachusetts
$30,000/60,000/15,000
Michigan $20,000/40,000/10,000
Minnesota $20,000/40,000/10,000
Mississippi $25,000/50,000/25,000
Missouri $25,000/50,000/10,000
Montana $25,000/50,000/10,000
Nebraska $25,000/50,000/25,000
Nevada $15,000/30,000/10,000
New Hampshire $25,000/50,000/25,000
New Jersey $15,000/30,000/5,000
New Mexico $25,000/50,000/10,000
New York $25,000/50,000/10,000
North Carolina $30,000/60,000/25,000
North Dakota $25,000/50,000/25,000
Ohio $12,500/25,000/7,500
Oklahoma $25,000/50,000/25,000
Oregon $25,000/50,000/20,000
Pennsylvania $15,000/30,000/5,000
Rhode Island $25,000/50,000/25,000
South Carolina $25,000/50,000/25,000
South Dakota $25,000/50,000/25,000
Tennessee $25,000/50,000/15,000
Texas $30,000/60,000/25,000
Utah $25,000/65,000/15,000
Vermont $25,000/50,000/10,000
Virginia $25,000/50,000/20,000
Washington $25,000/50,000/10,000
West Virginia $25,000/50,000/25,000
Wisconsin $25,000/50,000/10,000
Wyoming $25,000/50,000/20,000
Show All Rows
As Kirchen points out, it is better to be out a few hundred dollars more each year for the benefit of that additional coverage, than to be out a few hundred thousand dollars for life. Now that you have a better idea of liability coverage, start scoping out which auto insurance providers can offer it at the cheapest rates. For a list of cheap car insurers servicing your city, enter your zip code below.
Find the Cheapest Auto Insurance Quotes in Your Area
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Example of Insurance Payouts for Liability Claims
To illustrate the concept of sufficient liability coverage, let’s use a hypothetical example of an accident in New Jersey. The minimum liability coverage in the Garden State is 15/30/5: $15,000 per person for bodily injury, $30,000 max payout for the accident, and $5,000 of payout for property damaged by the accident.
Let’s say a driver crashes into another vehicle with two passengers on a busy intersection. The driver and passenger in the second car are seriously injured, and their car is heavily damaged. Third party claims are submitted for:
$25,000 for the driver, $10,000 for the passenger for the ambulance, emergency care, and other medical costs
$6,000 to fix structural damage to the body of the car
Your insurer pays the maximum out under your standard policy for $15,000 in bodily injury liability for the driver, $10,000 for the passenger’s medical expenses, and $5,000 under the property damage portion of your policy. The excess costs not covered by your policy are:
$10,000 for additional medical care for the driver, and
$1,000 for the vehicle repair
The other party has recourse to go after the rest of your assets to pay for the leftover balance. “If you do not have the appropriate limits, the balance from your coverage is deducted and you will have to pay that out of pocket - even garnishing your wages or income for the rest of your life,” cautioned Clement.
How Property Damage and Bodily Injury Liability Work
Property Damage from an insurance company such as Allstate will cover the repair and parts replacement costs of damage to homes, storefronts, vehicles, and other stationary objects. As you can imagine, the cost of repairing or getting original equipment manufacturer parts can be very different depending on whether it’s a $10,000 car or a $100,000 car.
Bodily Injury liability will pay out for medical care, emergency services, compensation of lost income, and even funeral expenses. Claims made under this liability are affected by a number of variable factors, which as Kirchen explains, can range widely:
The skill level of the injured third party:
Is the other driver a minimum wage employee or a highly skilled neurosurgeon? Bodily Injury Liability compensates the other party for lost income.
The type of injury sustained by the other driver:
Were there minor bruises and scratches, a debilitating head injury, or a loss of limb or nerve damage? An accident can potentially impact someone’s livelihood and earning power. “There is a big difference between bumps and bruises and a head injury or loss of limb or nerve damage in a hand,” explains Kirchen, “all of which can severely hinder the aforementioned neurosurgeon’s practice.”
The age of the injured person:
A young professional still has many years of significant earning power ahead that the accident impacted, while an older person may be getting ready to retire, and therefore won't experience much loss of income.
What’s an Umbrella policy, and should I add it to my car insurance?
A personal umbrella policy pays for damages above and beyond the maximum payouts on your auto insurance policy. Excess liability protection is usually in the form of combined single limits, which doesn’t set aside a set amount for bodily injury or property damage that the standard auto policy does. Coverage starts at $1MM, and can be augmented in increments of a million.
The best part about an umbrella policy is its return on incremental premium. Adding an umbrella premium can cost a few hundred dollars a year – a dollar a day, estimates Allstate – but you’ll get a $1MM shield for your assets. If you can afford it, and you have the assets to protect, an umbrella policy is recommended.
In order to qualify, you are typically required to have the maximum under the split limit policies. For example, at GEICO, your auto insurance has to max out at $300,000 for bodily injury, and $100,000 of property damage. Other insurers may have different requirements.
Examples of the coverage under an Umbrella policy
Pile-ups:
The primary auto policy can only do so much in a multiple vehicle collision. “Most people do not realize that if they get into an accident and hit multiple cars or injure multiple people there is a cap on the primary auto policy. That is why is recommended to have an umbrella policy that sits over and above these limits,” says Clement.
Loss of Income:
If an accident causes a neurosurgeon to be out of commission for six months, you may be at risk for her loss of income. According to the 2012 MGMA Physician Compensation Report, a surgeon makes on average $775,968 a year. For those six months she spent recuperating, her foregone salary totaled $387,984. The foregone salary alone would have cleared out your maximum policy with $88,000 out-of-pocket, assuming you had the highest level of protection from GEICO, and without factoring in the cost of medical care.
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