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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What is a Mechanical Warranty?
A mechanical warranty is an extended warranty offered by your car dealership that usually applies to mechanical breakdown or parts when you buy a car. It may be offered for any number of years depending on the plan you decide to go with and how much you want to spend.
Mechanical Warranty and Mechanical Breakdown Insurance
Many people do not realize that they may have more than one option when it comes to buying coverage against mechanical breakdown.Depending on how long you are going to own your car for, or even if you don't plan to own it very long, but want to resell it in a few years, there may be advantages to purchasing mechanical warranty through a dealer or buying mechanical breakdown insurance through an insurance company.
It's a good idea to review what the insurance company offers to understand what option will give you the greatest advantage and can save you money, as we discuss below. First let's look at what mechanical breakdown insurance is, what it covers and how much it costs.
What is Mechanical Breakdown Insurance?
Mechanical Breakdown Insurance (MBI) is a coverage that pays for car repairs unrelated to an accident that can be purchased through your car insurance company instead of an extended warranty through the dealer.
Like an extended warranty the mechanical breakdown insurance coverage pays for repairs to a car in excess of the manufacturers warranty and may also provide additional coverages as part of the insurance package depending on the insurance company. Mechanical Breakdown Insurance can be added as an endorsement to your auto policy. Mechanical breakdown insurance coverage may provide advantages over an extended warranty on a car because it is offered through an insurance company and is regulated by the insurance industry for standards and claims.
5 Reasons to Buy Mechanical Breakdown Insurance (MBI) Coverage Instead of an Extended Warranty
may include more parts and systems than most dealer warranties
will likely cost less than at the dealership
you can get your car repaired wherever you want
may be transferable to a new vehicle owner if you sell your car, or you can cancel it at any time and not lose the money
you do not have to pay a big lump sum payment up front and pay interest if the cost gets bundled into your auto loan
What Does Mechanical Breakdown Insurance Cover?
You can get several levels of mechanical breakdown insurance coverage, typically the basic coverage will protect the following:
Engine parts, ex: oil pump, water pump
Drivetrain
Transmission
Exhaust
Brakes
Electrical components ex: alternator
You may also obtain mechanical breakdown coverage that could extend to:
steering
air conditioning
fuel system
What is Not Covered by Mechanical Breakdown Insurance?
Mechanical breakdown coverage does not cover routine maintenance or damage from car accidents. It also may not cover wear and tear, so you will want to find out what classifies as wear and tear, or what is classified as a breakdown. This could make a difference in which product or insurance you take.
Typical Exclusions in a Mechanical Breakdown Insurance Endorsement
tune-ups
suspension alignment
wheel balancing
filters
lubrication
coolant and fluids
spark plugs
brake pads and linings
brake shoes
tires
Does Car Insurance Cover Mechanical Breakdown?
No, regular car insurance is not meant to cover regular breakdowns or maintenance. You can buy Mechanical Breakdown Insurance separately or by endorsement.
Note that MBI does not replace regular car insurance, it is an add-on.
You still have to purchase your basic car insurance to cover minimum state car insurance requirements as well as additional coverages like comprehensive, collision or other endorsements.
How Much Does Mechanical Breakdown Insurance Coverage Cost?
The cost of Mechanical Breakdown Insurance is usually less expensive than the extended warranty at the dealer. The price varies based on the year and model of the car, coverage could be as inexpensive as $300 but could be as much as a couple of thousand, it really depends on the car. Unlike regular car insurance underwriting which takes into account your driving record and many other personal factors, sometimes even including your credit rating, the mechanical breakdown coverage is only based on the year and model of your car.
Calculation of price does not take any of your personal information into consideration.
Purchasing Mechanical Breakdown Insurance vs. Extended Warranty With a Car Dealer May Save You Money
Mechanical Breakdown Insurance can provide you with flexibility in both payment terms and how long you keep the coverage. Because breakdown insurance is handled like an insurance policy it can be better for you financially because it does not force you to pay a big lump sum at the time of purchase of your vehicle. It also does not force you to finance the coverage with your auto loan like an extended warranty would, this may save you money on interest.
Car dealerships often offer products like extended warranties or Guaranteed Auto Protection (GAP) coverage, at the dealership and put a lot of pressure on people to buy them on the spot. Car dealerships can make a lot of money on these added sales, so it makes sense that they will be offering them to you You should always check with your insurance representative first. It helps to compare these products, especially since when purchased through an insurance company they are regulated by insurance standards meant to protect consumers. You should never buy these products at a dealer under pressure, take your time to figure out what makes the most sense for you.
Is an Extended Warranty or Mechanical Breakdown Insurance Worth It on a New Car?
It really depends on several factors. If you are already decided on buying an extended warranty then the Mechanical Breakdown Insurance is a really good option for you to consider. However, if you don't know whether you should buy the extended coverage at all, then you need to do some research about the car you are going to buy.
Look up consumer reports or other car reviews that will indicate what you can expect from the performance of your vehicle over time, usually there is data available that can help you understand what problems you might expect in the future. You may also find that some car manufacturers have more reliable mechanical operation than others. These are factors that will come into play while trying to determine if it is worth spending the money on an extended warranty or mechanical breakdown insurance.
Consider how long you expect to keep your car for and weigh the cost of the coverage against the cost of anticipated repairs
Should I Get Mechanical Breakdown Insurance?
Insurance is meant as a coverage to protect you from unexpected costs, if you have enough money to pay for unexpected repairs yourself, then you may decide to take the risk and self-insure by not purchasing an extended warranty or mechanical breakdown insurance coverage.
You can also ask these questions to know if a mechanical breakdown insurance or extended warranty is right for you:
Questions to Ask Before Making a Purchase of a Mechanical Breakdown Insurance
What are the exclusions of coverage?
What will the deductible be? How is the deductible applied in a claim?
How to make a claim or get compensated?
Is coverage transferable if the car is sold?
Are there any amounts that have to be paid upfront?
What costs are covered?
Are all labor costs covered?
What is the definition of wear and tear?
Are you free to use the repair shop of your choice? What are the authorized or approved repair shops?
What happens if you are travelling with your car and you have a problem?
How long can you renew your coverage for? For example, some insurance companies will not renew coverage once you have reached 100,000 miles or 7 years.
Are there any additional features of the mechanical breakdown insurance coverage that would give you advantages over a dealer's extended warranty?
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