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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 Does Bodily Injury Liability Coverage Work? Bodily Injury Liability insurance pays for injuries you cause to another driver if you are at-fault in the accident. Bodily injury does not cover the medical costs of injuries you may get in the accident. It is considered a "third-party" insurance, since it only covers other drivers and passengers (you're the "first-party"). What Can A Third Party Claim As Bodily Injury? The types of expenses a third-party can file against your bodily injury liability policy include: Bills for the other party's hospitalization, follow-up care, and related medical or health care Lost Wages: If the harmed party was seriously injured and unable to work, your bodily injury liability coverage makes up for their lost income. This amount will be based upon the amount of time they are unable to work as a result of the injury, and subject to various limits based on where you live Legal Fees: This is the one item where bodily injury pays for your expenses instead of the third party. Your insurer will usually provide legal defense for you if you are sued by the other party, and that's paid for under your own bodily injury coverage How to Understand Bodily Injury Liability Limits Your bodily injury coverage is stated in a three number format like so "25/50/25". In the three number format, the first two numbers are the bodily injury coverage limits and the third is for property damage, a separate type of coverage. The first number is the amount covered for one person in the accident, while the second number represents the amount covered in the entire accident. So for example, if you are quoted a 25/50 limit for bodily injury, it means that the insurance policy will cover up to a maximum of $25,000 per person injured in an accident and a total of $50,000 in claims for a single accident. We'll look at two examples to explain how bodily injury liability would work. You were deemed at fault for an accident in which two people in the other vehicle were injured. Person A had medical expenses of $30,000 while Person B had medical expenses of $10,000. While the combined medical bills are within the $50,000 limit per accident, your auto insurance policy will only pay Person A $25,000, and Person B $10,000. That's because Person A's expenses exceeded the per person limit, leaving you on the hook for the $5,000 of the unpaid claim. You were at fault for an accident in which two people were injured. Both made medical expense claims of $25,000 each. Because both the individual claims were within the $25,000 and the combined claim was less than or equal to $50,000 the insurance policy would cover these expenses. Combined Single Limit (CSL) is another – and less common – type of limit consumers may purchase. Compared to the split limit, CSL has one limit that applies to the whole accident, and can pay out to the total coverage amount and is not constrained the number of injured people. The flexibility of CSL limits make this type of limit more costly to insure for, and not every car insurance company provides this option. Minimum Bodily Injury Liability Requirements by State Each state has a minimum amount of coverage you are required to have as part of your auto insurance. The most common BIL limit is $25,000, but it changes. Florida doesn't even require this coverage. State minimums for bodily injury liability are displayed in the following table: State Min. Coverage State Min. Coverage Alabama $25,000/50,000 Montana $25,000/50,000 Alaska 50,000/100,000 Nebraska 25,000/50,000 Arizona 15,000/30,000 Nevada 15,000/30,000 Arkansas 25,000/50,000 New Hampshire 25,000/50,000 California 15,000/30,000 New Jersey 15,000/30,000 Colorado 25,000/50,000 New Mexico 25,000/50,000 Connecticut 20,000/40,000 New York 25,000/50,000 Delaware 15,000/30,000 North Carolina 30,000/60,000 District of Columbia 25,000/50,000 North Dakota 25,000/50,000 Florida None Ohio 12,500/25,000 Georgia 25,000/50,000 Oklahoma 25,000/50,000 Hawaii 20,000/40,000 Oregon 25,000/50,000 Idaho 25,000/50,000 Pennsylvania 15,000/30,000 Illinois 20,000/40,000 Rhode Island 25,000/50,000 Indiana 25,000/50,000 South Carolina 25,000/50,000 Iowa 20,000/40,000 South Dakota 25,000/50,000 Kansas 25,000/50,000 Tennessee 25,000/50,000 Kentucky 25,000/50,000 Texas 30,000/60,000 Louisiana 15,000/30,000 Utah 25,000/65,000 Maine 15,000/30,000 Vermont 25,000/50,000 Maryland 30,000/60,000 Virginia 25,000/50,000 Massachusetts 30,000/60,000 Washington 25,000/50,000 Michigan 20,000/40,000 West Virginia 25,000/50,000 Minnesota 20,000/40,000 Wisconsin 25,000/50,000 Mississippi 25,000/50,000 Wyoming 25,000/50,000 Missouri 25,000/50,000 Show All Rows How Much Bodily Injury Liability Coverage Should You Have? You should get limits that match the amount of assets you have, or the highest limits that you can afford. That's because if your car insurance isn't enough to pay for the damages you cause, the other driver may take you to court and sue for the remainder. If the judges rule in their favor, your assets will have to be liquidated to pay for the court damages. If you have limited assets - as in not a lot of money stored in bank accounts, retirement accounts or other funds - it's likely that the other party will be willing to settle a claim for what the insurance company pays out. You don't have much risk in a lawsuit when there are less assets to spare. On the other hand if you are wealthy or have savings or investments, your financial risk and exposure in an accident increase. If you pick low limits, more of your assets are exposed when an accident results in hundreds of thousands of damages. Because you're exposed more, we recommend higher coverage limits - more of the claims brought against your bodily injury protection will be covered directly by your insurer. For more information on our liability limits, refer to our guide here. The next thing to consider is how affordable the car insurance policy will be. How Much Does Bodily Injury Liability Car Insurance Cost? Using quotes for a sample 34 year-old married man living in Indiana we can illustrate how price changes with different BI limits. Just remember, car insurance premiums are highly tailored to individual drivers' profiles, so these numbers are only for reference. We'll focus on how much it costs our driver to adjust from one limit to the next. As the table below shows, our sample Indiana driver looking to increase his limits from 25/50 to 250/500 would pay $9 more a month, or $109 more altogether a year, for 10x the protection in Indiana. As drivers increase the amount of liability insurance protection, their premiums will increase at lower rates. For example, going from the state minimum of 25/50 to the next available limit results in a 34% increase in premiums for twice the protection. But once you have medium levels of bodily injury coverage, getting more protection will cost less - our driver would only have to pay 15% more moving from a 50/100 limit to a 100/300 limit. As we say above, opting for the highest limits may be a good idea if you have many assets to protect.

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