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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.

Standard motorcycle insurance policies include bodily injury and property damage liability insurance, which riders are required to have in most states. In addition, there is a long list of optional coverages, such as comprehensive and collision insurance, that are available for riders to purchase. Which motorcycle insurance coverages you should purchase will depend on your bike and its value, whether you want coverage for your own injuries if involved in an accident and how much protection you want for your belongings. How Does Motorcycle Insurance Work? Motorcycle Liability Insurance Optional Types of Motorcycle Insurance Coverage Other Vehicles Covered by Motorcycle Insurance Policies What Does Motorcycle Insurance Not Cover? How Does Motorcycle Insurance Work? Motorcycle insurance is similar to car insurance in that the policy offers you financial protection for injuries or damages incurred while driving your vehicle. A typical motorcycle insurance policy includes liability insurance, which pays for any damages you cause to others, but it can also include coverage for your own bike and injuries. If you have more than one motorcycle, you can purchase a multibike policy and often receive a discount from your insurer. On the other hand, if you ride another bike, such as while traveling or when borrowing one from a friend, your motorcycle insurance may not cover you fully. Typically, your liability insurance will follow you and act as either primary or secondary coverage if you’re involved in an accident. However, if you have any questions about what your policy will cover when on another bike, you should check with your insurer. Motorcycle Liability Insurance In most states, motorcycle riders are required by law to carry two forms of liability insurance: bodily injury and property damage liability coverage. Like the names suggest, these cover any bodily injury to others or property damage a motorcycle rider might cause to a third party while operating their vehicle. Bodily injury and property damage liability does not cover you (the rider) or the motorcycle itself. If you’re involved in a collision, a third party will typically file a liability claim against your insurance company for whatever damages you're believed to be responsible for. Therefore, liability insurance is sometimes referred to as third-party insurance. Every motorcycle insurance policy limits the amount of money it will pay out to others for bodily injury and property damage, respectively. The limits are frequently shown with slashes between them, for example: $25,000/$50,000/$10,000. The first number is the claim limit, or maximum dollar amount, per injured person an insurance company will pay out after a crash. The second number is the claim limit per accident. The third number is the claim limit a policy will pay to another party for any property damaged by the policyholder, or rider. For example, consider a motorcycle insurance policy that has bodily injury liability (often shortened to BI or BIL) coverage up to $25,000 per person and $50,000 per accident. That means if a motorcyclist injures two people in an accident, they would each be covered up to $25,000 and the rider would still be under the limit of the policy. If a rider with the same limits injured three people, their policy would only pay up to $50,000 for the accident no matter the amount each individual injured person claimed. A claim limit for personal property liability applies to each individual accident. For example, if a motorcyclist crashed into the side of a car and damaged it, this would cover the cost of those repairs up to whatever limit the rider chose. Property damage liability insurance doesn’t just cover damage to other vehicles, either. If a motorcyclist drives into a fence and caused enough damage that it needed to be repaired or replaced, that would be covered, too, up to the coverage limit. The claim limit for personal property is typically much less than the two limits for bodily injury claims. A policy with $25,000 in BI protection and $50,000 per accident might only have about a $10,000 limit for property liability insurance. Guest Passenger Liability Coverage When it comes to bodily injury and property damage liability coverage, the only major difference between motorcycle and auto insurance is that some motorcycle policies include an additional coverage: guest passenger liability insurance. Guest passenger liability insurance provides protection for any passenger who is injured on your motorcycle. In some states, motorcycle liability insurance policies are required to include guest passenger liability coverage, which protects anyone riding on the back of a driver’s motorcycle. But motorcycle insurance companies that don’t already include guest passenger liability still usually offer it as an optional coverage. Having separate protection for anyone who might be a passenger on your bike is good idea, especially if you frequently ride with others. SR-22 and FR-44 Insurance for Motorcycles If you’ve committed certain motor vehicle violations, such as receiving a DUI, you may be required to file an SR-22 or FR-44 certificate of financial responsibility before driving legally. You cannot file this form yourself, an insurer has to do it on your behalf in order to prove you’ve purchased the state-required amount of coverage from the company. Not all insurers offer SR-22 or FR-44 motorcycle insurance, so you may have to request quotes from multiple motorcycle insurance companies to find coverage, as these forms indicate you’re a higher risk rider. Optional Types of Motorcycle Insurance Coverage Liability-only motorcycle insurance policies are often relatively inexpensive as compared to auto insurance policies. However, there’s a wide variety of additional coverages that you may want to consider adding, as motorcycle liability insurance doesn’t provide financial protection for your own injuries or damages to your bike in an accident. Medical Payments and PIP Insurance Uninsured/Underinsured Motorist Insurance Collision and Comprehensive Total Loss Coverage Motorcycle Repair Insurance Carried Contents and Personal Belongings Roadside Assistance and Towing Medical Payments and Personal Injury Protection (PIP) Medical payments coverage is a form of motorcycle insurance that covers the cost of medical bills for you (the rider) in the event you’re injured on your motorcycle, similar to health insurance. It covers the rider, regardless of who is at fault for an accident. That means whether you crashed into a bush or were struck by another vehicle, your medical bills would be covered up to the limit of the policy. Medical payments coverage is optional, and motorcyclists can choose from a range of claim limits. In some states, motorcycle riders have the option to purchase personal injury protection (PIP). It’s similar to medical payments coverage but can cover a wider variety of costs due to injury, such as lost wages, funeral costs and child care expenses. Uninsured/Underinsured Motorist Insurance While it’s not generally required, motorcyclists can also add uninsured/underinsured motorist coverage (sometimes shortened to UM/UIM) to their motorcycle insurance policies. It covers injuries to you as a rider, as well as damages to your bike caused by another driver who is inadequately insured. Whether the driver doesn’t have any liability insurance or the cost of your damages was beyond the limits of their policy, this picks up wherever their coverage leaves off. Uninsured/underinsured motorist bodily injury coverage usually pays for medical bills, lost wages and other damages a policyholder might incur if the other party involved was not adequately insured. However, UM/UIM coverage offered by some insurance policies does not include personal property damage. You would have to opt in to uninsured/underinsured motorist property damage coverage as well. Full Coverage Motorcycle Insurance: Collision and Comprehensive Full coverage motorcycle insurance generally refers to a policy that includes both liability insurance as well as comprehensive and collision insurance for your bike. Comprehensive and collision insurance are different from property liability insurance in that they cover your own damages if you’re involved in an accident or your bike is damaged. These policies are required but are typically worth the cost if your bike is relatively new or would be expensive to repair. In the event your motorcycle is involved in an accident—with another vehicle or an object—collision coverage pays for the cost to repair or replace your motorcycle, minus your deductible. It usually covers up to the Kelley Blue Book value of the motorcycle, which is an aggregate price of the identical bike for sale across thousands of dealerships in the U.S., rather than a claim limit that is a specific dollar amount. Comprehensive motorcycle insurance covers the cost to repair or replace your motorcycle in the event nearly anything other than a collision occurs. For example, if your bike was damaged in a fire or storm, vandalized, or stolen, those things would fall under comprehensive coverage. This coverage is valuable even when you’re not riding the bike, so we recommend maintaining comprehensive coverage even when storing your motorcycle. Remember that collision and comprehensive coverages usually only pay for the cost of factory or standard parts. Any additional parts, features, paint jobs, graphics or other additional equipment will probably not be covered by your motorcycle insurer unless you’ve added specific coverage for it. Coverage for those types of upgrades, if available, would typically require a special policy or endorsement. Total Loss Coverage for Motorcycles Some insurance carriers offer total loss coverage, which is similar to gap insurance, for motorcycles that are totaled in a crash. No matter the book value of the bike, the insurer will pay the suggested retail value toward its replacement, minus your deductible. This could mean a substantial difference in the amount an insurance company pays out for a crash because new motorcycles significantly decrease in value the moment once they are driven off a lot. Total loss coverage might only be available for the first few years of a vehicle’s life, since insurance companies won’t replace bikes that are worth considerably less as they age. However, this can be a particularly valuable coverage if you’ve just purchased a new motorcycle. Motorcycle Repair Insurance Motorcycle repair insurance, also called mechanical breakdown insurance, is an optional coverage that pays for certain covered repairs to your bike. It’s similar to an extended warranty in that you pay a premium and, should your motorcycle need a repair, such as fixing its engine or transmission, the policy covers fixes made at your repair shop. Depending on the policy, you may need to pay a deductible per visit. Carried Contents and Personal Belongings Coverage Contents and personal belongings coverage applies to any of your possessions that you carry with you while riding your bike. With this coverage, items such as your tools and motorcycle gear, cell phone and other possessions that you carry with you would be covered if they’re lost, damaged or stolen. For example, if a motorcyclist has a backpack with clothes or other valuables that get lost or stolen, they would be covered. Contents and personal belongings don’t necessarily have to be stolen or damaged in a crash to qualify for a claim. They might accidentally fall off a motorcycle and be considered lost, which would be covered. Roadside Assistance and Towing Insurance Roadside assistance and towing insurance are optional coverages for motorbike insurance policies and can be added in exchange for a higher premium. Roadside assistance programs often will tow a motorcycle to the nearest shop, either free of charge or at a discounted rate. They also usually cover battery failure, flat tires, or mechanical or electrical breakdown and include free delivery of water, oil or fuel. Riders considering this optional coverage should make sure they don’t already have these benefits by any other means, such as a AAA membership. Other Vehicles Covered by Motorcycle Insurance Policies Motorcycle insurance policies are often used to cover a variety of motor vehicles other than just motorcycles. In some cases, states require that these vehicles are insured in order to be legally driven, so we recommend referring to your local laws and considering coverage to protect your vehicle—whether it’s required or not. Mopeds and Scooters Mopeds and scooters are similar in performance and usage to motorcycles, and some states require them to be covered under motorcycle insurance policies in order to be legally driven. Most states require moped and scooter owners (like motorcycle owners) to have some level of bodily injury and property damage liability insurance. In addition to liability coverage required, the same optional motorcycle insurance coverages are often available to moped and scooter drivers. Medical payments, uninsured/underinsured motorist, collision and comprehensive are all coverages moped and scooter drivers can typically purchase.

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