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.
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Car Insurance in South Dakota
South Dakota ranks high as an affordable state to insure your vehicle — it has some of the cheapest rates in the nation. But no matter what you’re paying now, it’s probably not the best you could find. Simply put, if you shop the market, you’ll be surprised by the savings waiting for you — I certainly was.
By comparing six companies side-by-side I was able to find a $562 difference between companies for the exact same coverage, the state minimum. State Farm was my best choice in the area with a quote that fell just under $340 per year, while GEICO made a stand for second place at only $20 more. Both companies might have been the best car insurance options for me, but that doesn’t mean it’ll be the case for you as well.
Insurance firms are like fingerprints; no two are exactly the same. They each translate your personal and vehicle data into a premium in their own special way. And, just like our fingerprints, no two drivers have the same inputs: credit scores, marital status, cars we drive, our exact zip codes. The best way to insure maximum savings is to garner quotes from as many insurance companies as possible. I searched six different providers, but I would recommend looking at as many as you have time for — each quote takes less than ten minutes if you have a clean record.
Online quotes are actually pretty handy and more comprehensive than you might think. With most companies, you can easily select the types of coverage you’d like and see the impact they’d have on your premium right then and there. If you need to, or want to, call a company instead, bank another 10 minutes for each one. Sometimes brokers need to run multiple quote tests which require extra time; therefore, you may need to leave a call-back number with them so you’re not on the line while they get to work.
Get Quotes NowEnter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate. |
Our Top 6 Picks for the Best Car Insurance in South Dakota
I began my quest for the most affordable coverage in South Dakota with these six companies. Each one has an “above average” (or higher) JD Power rating for the Central Region of the nation, as well as an A.M. Best rating of “Excellent” or higher. If you’ve never experienced an accident, you might not understand how important these two factors are. But if the worst happens (and, not to be too much of a downer, it probably will), you should be able to have complete faith that your provider will make the process better, not worse. Having an affordable quote is awesome, but being able to trust your auto insurance company to be there for you is just as important, if not more important. A few dollars saved might not seem worth it when you can’t get your insurance company to pay your claim.
Insurer | My quote |
State Farm | $339 |
GEICO | $364 |
Allstate | $500 |
Safeco Insurance | $564 |
American Family Insurance | $710 |
Farmers | $902 |
After comparing all six quotes, I found $562 in savings between the highest and lowest quotes. State Farm won the low bid at $399; GEICO coming in a close second place at $364. Allstate and Safeco both hit the $500 mark, but American Family and Farmers were considerably higher. Don’t let those numbers make you cringe, though: every person will have a different experience. Make sure to check all of your options no matter what, even if they were high for me, they might be low for you. Definitely check your options for upgraded coverage as well. Remember: A few extra dollars per year can make a world of difference in the event of an accident.
Even If You’re Happy, It’s Best to Shop for a New Policy Every Couple of Years
Things like age, driving history, and vehicle make and model have been staples of the auto insurance rate-making process for a long time, but in recent years, a new tactic has arisen. Welcome to the world of price optimization, the practice of analyzing non-risk related data to determine a customer’s propensity to stick with his or her provider in spite of price increases.
Insurers spit a ton of your personal information (like online shopping habits, social media activity, and even how long you’ve been with your current cell phone provider) into complex algorithms that estimate how likely you are to shop around. Then, they use that information to charge you a rate they believe you’re be comfortable with — even if it’s higher than you deserve.
This should be one of the greatest incentives to shop around. Shopping for a new policy from multiple agencies will probably uncover hidden savings. Plus, it will also show your current provider that you’re not afraid to leave. And if you’re not afraid to leave, companies will be less likely to gouge you with incremental rate jumps from year to year.
If you have questions about your insurance company’s policy regarding price optimization, or have a suspicion that your rising rates are not due to risk related factors (i.e. filling claims that you’re at fault for or receiving citations), contact your agent. Ask for an explanation. Better yet, write your senator and complain about it.
Many states like Maryland and Florida (15 in total) have formally addressed price optimization with legal bulletins, requiring companies to come clean about the practice and release their information to the state. Unfortunately, South Dakota has not released any statements or laws regarding price optimization. For the time being, your best recourse is to continue shopping for better rates on a regular basis. It’s as simple as that.
South Dakota’s Minimum Coverage
The Bare Minimum
South Dakota requires a driver to prove financial responsibility in order to legally drive on its highways. The easiest and most common way is to prove your solvency is by maintaining liability and uninsured/underinsured motorist coverage; the alternate routes include filing a $50,000 bond with the state treasury. Minimum limits for liability coverages, which covers costs you must pay in an accident that is deemed to be your fault, are $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage. Uninsured/underinsured coverage, which kicks in for damage done to you by an uninsured or underinsured driver, must meet $25,000 bodily injury per person and $50,000 per accident.
The Best Car Insurance is Not Just Cheap Car Insurance
Settling for cheap car insurance could be the difference between a financial crisis and a minor financial setback. Take a look at these to stats:
- Every 17.9 years the average driver will be involved in a motor vehicle accident. Let’s say that we are not an exception to the rule.
- The average cost of an accident that causes a disabling, but nonfatal injury is $79,400 per person. Damaging an expensive car or property in the process will cost a great deal more.
With South Dakota’s minimum coverage — which includes a $25,000 bodily injury limit — I could be on the hook for more than $55,000 out of pocket, not to mention the possible property damage I’d be liable for if the $25,000 in property damage allotted didn’t fully cover those damages.
You might think that an upgrade will cost a lot, and that it’s worth it to take the risk for the immediate savings. In fact, half of my quotes for a 50/100/50 policy were cheaper than half of my quotes for minumum coverage. For example, Allstate’s upgraded coverage was $340 less expensive per year than Farmers’ minumum coverage. Even with upgraded coverage averaging $136 more per year than minimum policies (according to my quotes), that’s only $2,448 more over 18 years. That extra payout could save you $25,000, if you find yourself in a worst-case scenario. To me, the extra coverage. And honestly, if you haven’t gotten at least a handful of quotes lately, you might already be paying more than you need to and still getting worse coverage.
If You Skip Coverage, It’ll Cost You
It’s never a good idea to go without coverage. If you are unable to provide proof of insurance to an officer of the peace when requested in a traffic stop, you will face problems: fines up to $100, jail time up to 30 days, suspension or revocation of your driver’s license and registration for up to a year, and mandatory filing of an SR-22 document for three years. An SR-22 is the same document that those convicted of driving under the influence must fill out in order to drive on the roadways legally. If you file one, you can say goodbye to low rates for a long time.
Get Quotes NowEnter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate. |
Since so many factors play a role in determining your premium cost, it helps to know what you can do to make yourself more appealing to insurance companies. Here are a few tips — beyond just clicking around for more quotes — for getting the best car insurance premium possible.
FAQs
Why are South Dakota’s rates so cheap?
What to ExpectAverage Monthly Premiums | |
United States | $139 |
South Dakota | $88 |
Rapid City | $98 |
Sioux Falls | $84 |
Source Quadrant |
We’ve got some of the most affordable rates in the nation. Unlike our northern counterpart, our state follows the tort system rather than the no-fault system. This means that in every accident, one person must receive a majority of the blame and financial responsibility. Tort states tend to be cheaper because the no-fault system is often abused with dubious litigation. Plus, no-fault insurance also requires personal injury protection as an extra, and it’s not cheap.
Insurance companies also generally charge less for zip codes outside of urban zones because crime rates are lower and accidents are less frequent, and in South Dakota that’s about 99.7 percent of the state. (That’s the fourth highest percentage of rural landmass in the country, which is no surprise if you’ve spent any amount of time driving there.)
What if I’m not a full-time resident?
If you are a visitor to South Dakota, you are not required to maintain the insurance laws of the state, as long as you are in compliance with the laws of the state which your car is registered in. But, if you decide to stay in-state for more than 90 days, you must register your car in South Dakota and maintain the state’s mandatory insurance.
An Expert’s Perspective
The Simple Dollar contacted Bryan A. Larson from Larson Law, who’s been practicing personal injury law for more than 30 years. He’s dealt with cases as simple as a no-injury fender bender to multi-million dollar accidents. We asked him if he’d had any experience dealing with particular insurance agencies: Were any easier to deal with through the claims process? Any that were more terrible? I had my ears open for any insight he could offer on State Farm, the company that was cheapest for me.
Many attorneys do not even bother with trying to negotiate with Farmers Insurance Company because they feel it’s simply a waste of time. Generally, with Farmers Insurance the only approach is to file suit against the insured as soon as possible. Accordingly, if you are insured by Farmers Insurance Company, from my perspective, you have a much greater chance of getting sued if you cause an accident than you would if insured by a carrier that still resolves claims by negotiation without litigation. Others may have different experience with Farmers, but this is my opinion.
Another important aspect in analyzing difficulty in dealing with insurance companies is that conditions often change. I have mentioned how difficult it is to deal with Farmers. This was not always true. There was a time when Farmers was one of the easiest to deal with. Likewise, there was a time when State Farm was one of the most difficult and unreasonable to deal with. However, in my experience, it seems that in recent years State Farm has become somewhat easier to deal with than they were 20 years ago. I suspect this has a lot to do with the fact that State Farm suffered big verdicts in a couple of cases around the country and they have lightened up in their approach to claims handling. State Farm has long had some of the best trained adjusters in the industry, but those adjusters do not make decisions on an individual basis for resolving claims. Instead, decisions are based on company policies, claims handling terms, and whatever the current status of claims evaluation happens to be in the company.
The Bottom Line
Low auto insurance rates are a staple in South Dakota. But even so, there are still plenty of savings to be found. I was able to get the cheapest coverage from State Farm, but that might not be the case for you. Shop around and compare quotes from at least five different providers, every year. Not only will this help you save money now, it’ll help you save money later by avoiding incremental price hikes due to price optimization. It took me less than an hour to find over $500 in savings. Now it’s your turn — maybe you’ll beat my results.
Get Quotes NowEnter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate. |
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