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.
IDV (Insured Declared Value) is not an alien concept in car insurance. If you are preparing to insure your car soon, here's what you ought to know about the IDV and its significance in computing premium.
If you are buying Car Insurance for the very first time or getting your Car Insurance Policy renewed at the end of the policy period, chances are you will get intimidated by the modus operandi undertaken to calculate your car insurance premium.
Well, such an overplay of emotion is quite natural as different types of Car Insurance Policies and the factors impacting the premium calculation could be tad complex. It could eventually make things pretty devastating for you and thereby aggregating your dependency on the insurance provider.
One such concept in Car Insurance is IDV i.e. Insured Declared Value. But before we delve into it further, lets first put some light on the types of Car Insurance Policies.
There are 2 types of Car Insurance Policies for you to avail as a customer.
Third Party Insurance which is mandatory for every vehicle owner to undertake as per the Motor Tariff Act
Comprehensive Insurance Policy.
The Comprehensive Insurance Policy comprises of two covers – Own Damage (OD) and Third Party. OD covers loss or damage to your own vehicle against accidental damage, natural and man-made calamities whereas third-party cover protects the insured against liability due to accidental damages resulting in the permanent injury or death of a third party, and damage caused to the surrounding property.
So where does IDV come in the picture and as a consumer, why do I need to know about it.
What Is IDV?
IDV or Insured Declared Value is the current market value of your vehicle. It is the maximum amount that an insurance company will pay to the insured in case of a claim, that is, in the event of total loss (where the vehicle is no longer capable of running on the road), constructive total loss (when the aggregate cost of retrieval and/or repair of the vehicle is greater than 75% of IDV) or your vehicle being stolen.
Suppose, at the commencement of the policy, if the IDV of your car is fixed for Rs.5 Lacs, then the maximum amount that the Insurance Company will compensate you in the event of total loss, total constructive loss or theft of your vehicle will not be under any circumstances more than Rs.5 Lacs within the policy period.
How Is IDV Calculated?
IDV is calculated on the basis of the manufacturer's listed selling price of the brand and the model of the car. Then this amount is adjusted with the standard rates of Depreciation as stipulated by the Motor Tariff Act.
AGE OF THE CAR IDV
New (0 to 6 Months) 95% of Ex-Showroom Price
6 Months to 1 Year 85%
1 Year to 2 Years 80%
2 Years to 3 Years 70%
3 Years to 4 Years 60%
4 Years to 5 Years 50%
5 Years and Above Flexible
It is important for you to understand that at the time of purchase or renewal of your car insurance policy, the insurer considers the current selling price of the brand and the model while computing the IDV for your car and not the price at which you purchased the car.
For instance, if you bought a particular brand and model of car in November 2014 at Rs. 12 Lacs but the price of that same brand and model in January 2016 is Rs. 10.50 Lacs, then the insurer will consider the current listed selling price of Rs. 10.50 Lacs for calculating the IDV of your car.
Also, IDV does not include the cost of registration and insurance. And in case of any accessories that are not factory fitted like speakers or music system, the cost of such items are added to IDV as the value of such items is additional to the price of the car. They are even adjusted for depreciation as these items must have undergone some wear and tear over a period of time.
The formula below summarizes IDV:
IDV = {[(Manufacturer’s listed selling price or Ex-showroom price) + (Sales Tax) + (Accessories that are not included in listed selling price – depreciation)] – (Depreciation + Registration costs + Insurance costs)}
How to Calculate IDV of a vehicle more than 5 year old?
In case of the vehicles that are more than 5 years old or obsolete car models, that is, models of cars which the manufacturers have discontinued to manufacture, the IDV is determined as a result of a mutual understanding between the insurer and the insured.
In such a case, instead of considering the rate of depreciation for calculating IDV, IDV is arrived at by assessing the condition of the car.
Why I Need To Know About The Insured Declared Value Of My Car?
IDV is an important factor while calculating the Own Damage Cover of your car insurance premium under the Comprehensive Insurance Policy. Since the coverage under this policy is comprehensive, covering damages due to accidents, natural disasters and man-made calamities, the OD premium is calculated on the basis of IDV of your car.
Whereas, in case of third party insurance, the premium is computed on the basis of make and model of your car. IDV impacts the OD premium since the rate of depreciation keeps increasing with the increase in the age of the car.
A new car has maximum IDV but as the car ages, the rate of depreciation keeps increasing and resulting in the reduction of IDV. For instance, the car that is less than 6 months old carries a depreciation rate of just 5% whereas a car that is 4 to 5 years old will be charged a depreciation of 50%.
So higher the IDV, higher would be the amount of premium and lower the IDV, lower would be the premium.
What happens when you declare a lower or higher IDV than reasonable Market Value?
Some of us, in the wake of reducing the car insurance premium, declare a lower IDV than the reasonable market value. But we fail to understand that at the time of claim for total loss or theft, we land up receiving a lower claim amount from the insurer since the IDV declared was lower.
In such a case, if there exists total damage or theft of the vehicle, you have to shell out more from your pocket towards the loss as the insurance claim received is quite less. At the same time, if you declare a higher IDV considering that the claim amount will increase in the event of total damage or theft, then it is important for you to note that the insurer will consider the age of the vehicle and hence the rate of depreciation while computing your claim.
You will receive a lower claim amount in the event of total damage or theft despite of the fact that you declared a higher IDV and hence paid higher premium.
Conclusion
IDV is one of the many factors considered by the insurance providers while calculating your car insurance premium. So if you are buying insurance premium for the first time or getting your auto insurance policy renewed, make sure that the IDV of your car is in accordance with the age and model of your car to avoid any rude shocks during claim.
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