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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.

Liability-only car insurance is much cheaper than full-coverage car insurance, but it comes with attendant risks that you should consider before cutting coverage. For instance, insurance would not cover you if your car were stolen. Drivers should consider the cost of repair, the value of their car and their own tolerance for financial risk before deciding whether to switch to liability-only coverage. Which Car Insurer Has the Cheapest Liability-Only Car Insurance? How Much Cheaper is Liability-Only Coverage? Should I Switch to Liability-Only Car Insurance? What is Liability-Only Car Insurance? Which Car Insurer Has the Cheapest Liability-Only Car Insurance? We took a look at seven top insurance companies to understand which provided the cheapest liability-only car insurance. For our sample driver, GEICO offered the most affordable liability-only coverage in absolute terms, with a six-month quote of just $298, 45% cheaper than the average price of $546; Progressive was not far behind, with a price of $312. However, Farmers Insurance provided the largest discount for removing comprehensive and collision coverage, with a liability-only policy coming in at 64% less than than a full coverage policy. This suggests that drivers who are already on Farmers will see the largest drop in their rates if they switch to liability-only coverage. Bar chart showing the which insurance company has the lowest prices for liability-only coverage How to Find the Cheapest Liability-Only Car Insurance When shopping for the best prices for liability-only car insurance, the most important thing is to get quotes from multiple insurance companies. We found that the price for liability-only coverage does not have a consistent relationship with the cost of more full-featured plans. In other words, just because an insurance company gave you the best rates when shopping for a full coverage car insurance policy doesn't mean that it will still provide the lowest price for a liability-only policy. How Much Cheaper is Liability-Only Coverage? Liability-only car insurance is significantly cheaper than full-coverage insurance: Your insurance bill could be reduced by more than half by dropping optional coverages. We examined car insurance rates for eight different popular vehicles, and found that liability insurance makes up about 48% of the total cost of a full coverage insurance policy, with the lion's share of the difference in price being contributed by collision coverage. Full-coverage insurance generally includes liability protection, collision coverage, comprehensive coverage, and any other coverages required by law, such as personal injury protection (PIP). Bar chart showing the price difference between the cost of liability-only car insurance and purchasing full coverage Dropping collision and comprehensive coverage puts you at much greater financial risk if you are ever in an accident. If you opt for liability-only coverage, insurance would not pay for damages to your vehicle in any of the following situations: You are at fault in an accident. You are the victim of a hit and run (if you aren't required to have UIM coverage). Your car is damaged by weather, hail or animals. Your car is keyed or vandalized. Should I Switch to Liability-Only Car Insurance? Full-coverage car insurance is more important—and a better deal—when your car is new and becomes less valuable over time. As your car gets older, collision and comprehensive coverages become less valuable, and it can be a sound financial decision to drop coverage past a certain point. Here's why: The most money you'll ever get to fix your from a car insurance claim is its actual cash value, or ACV—how much an identical vehicle would cost to buy today. If your car is a total loss, that means the cost to repair your car is more than its actual cash value, and your insurance company will write you a check for the car's ACV. When your car is new, it has a high ACV, so insurance companies will spend more money to repair it before declaring it to be totaled: If a new car's ACV is $20,000, your insurance company will pay you a maximum of $20,000 to get it fixed. However, as your car ages, it loses value, so the maximum payout of a collision claim goes down. If your car's ACV is $5,000, that's the maximum amount your insurer will pay if your car is damaged or stolen. But even as the maximum payout decreases, your monthly premium generally won't drop very much. This makes comprehensive and collision coverage effectively a worse deal for an old car than for a new one. At a certain point, it's not worth carrying collision or collision coverage at all. When to Drop Comprehensive/Collision Coverage At the very least, you should drop comprehensive and collision coverage when the combined annual premium amount for comprehensive and collision coverage plus your deductible is equal to or greater than your car's ACV. For example, suppose your car is worth $1,200. If your annual premium for comprehensive and collision coverage is $700, and your deductible is $500, the maximum amount you could receive is equal to the amount you've already spent on insurance, so there's no benefit to buying coverage. If your car's value has not yet reached that threshold, the decision is a less clear-cut and more of a personal decision. The first question to ask yourself is whether you'd be able to afford a replacement vehicle or could arrange alternate means of transportation should your car be destroyed or stolen—don't drop coverage if you'd be stranded without it. Additionally, consider the following statements. The more of them apply to you, the more strongly you should consider switching to liability-only coverage: You could afford to replace your car if it were stolen today. In general, you have a high tolerance for financial risk. You don't drive the car very often, or could depend on alternate transportation like a bicycle or bus to get around. You are not particularly at-risk for your car to be damaged in an accident (e.g., you do not drive at night often, and you are not younger than 21). You are not particularly at-risk for your car to be stolen (e.g., you park your car indoors in a garage at night). Keep in mind that you may still be required to buy comprehensive and collision coverage for your car if you have a lease or a loan. Most car financing companies require you to purchase these coverages as a way for them to protect their investment while you are still paying it off. What is Liability-Only Car Insurance? Technically, liability-only car insurance refers to the purchase of only liability coverage: This is coverage that only pays for expenses related to medical care and car damage to the other party in an accident. In practice, liability-only car insurance coverage is another way to describe the legal minimum amount of car insurance you can buy in order to drive your car. In 22 states, you really do only need to buy liability coverage to have the minimum coverage. In 28 other states and Washington, D.C., drivers are also required to buy one of the following—or both—in order to meet their minimum insurance requirements: Personal Injury Protection/Medical Payments: Covers your own medical bills (and those of your passengers) after a car crash, regardless of who is at fault. Uninsured Motorist Coverage: If the other driver in a crash is at fault but does not have liability coverage, uninsured motorist coverage pays for your medical and car repair bills. Liability-only coverage is often defined by what it most notably lacks: collision and comprehensive coverage. Besides liability, these two coverages generally make up the largest portion of your car insurance bill. Collision coverage pays for damage to your car if you are at fault (or no one is at fault), while comprehensive coverage pays for damage caused by acts of God such as weather, animals or vandalism.

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