Though subrogation is a common term and practice within the insurance industry, it can seem dense and even rather daunting to everyone else. If you are dealing with an insurance company, however, it is important to know what subrogation is and how it works. Subrogation is not unique to the world of insurance policies. The term "subrogation" refers to the procedure by which a party pays another's debt or other obligation, then seeks to assert the legal rights of the party who has been paid in order to recover that money from someone else (a third party) who is responsible ...

The Wisconsin Legislature made significant changes to insurance coverage for automobiles last year that became effective this year. According to the Wisconsin Insurance Commissioner, effective June 1, no one may operate a motor vehicle in Wisconsin unless the owner or operator has a motor vehicle liability policy in place covering that vehicle that has minimum liability limits of $50,000 per person and $100,000 per accident for bodily injury and $15,000 for property damage. Because coverage is now mandatory, drivers are also required to have proof of the vehicle's liability ...

A Michigan judge is allowing two former Hooters waitresses to continue their weight discrimination cases against the restaurant chain. The women allege Hooters fired them for not being thin enough. Michigan's Elliot-Larsen Civil Rights Act prohibits discrimination based on weight or height. Section 37.2202(1)(a) states that "(an) employer shall not ... (f)ail or refuse to hire, or recruit, or discharge or otherwise discriminate against an individual with respect to employment, compensation, or a term, condition, or privilege of employment, because of religion, race, ...

In an attempt to shore up its enforcement of federal trucking safety regulations, the Federal Motor Carrier Safety Administration (FMCSA) began rolling out a new program this year, the Comprehensive Safety Analysis, or CSA 2010. The centerpiece of this program is a new electronic database that will allow FMCSA investigators to more efficiently and effectively pinpoint which commercial carriers and drivers are not complying with federal trucking safety government regulations. Called the "safety measurement system" (SMS), the database uses information collected from ...

Holiday Inn Express Simpsonville Hotel announces the selection of Hi/Lo Kennels as a recommended boarding service for guests traveling with a dog or cat. Located only a short drive from the hotel, Hi/Lo Kennels is a family owned facility situated on 6 acres of land. They provide safe and comfortable accommodations for pets. Features include: - Caring staff - Individual indoor/outdoor covered runs - Large exercise areas for private pet playtimes - Meals prepared as you do at home - Clean and pest free environment - Mason fencing, doors, and beds - Climate controlled ...

The Hilton Garden Inn Atlanta Airport Hotel North offers convenient lodging to guests attending Georgia Tech football games. Home games are played in Bobby Dodd Stadium at Historic Grant Field, in downtown Atlanta. The Yellow Jackets' two remaining home games are against tough Atlantic Coast Conference opponents Miami, on November 13, and Duke, on November 20. "We are pleased to offer accommodations to alumni and fans visiting Atlanta this fall for Georgia Tech football games," explains Debbie Wells, the Atlanta Airport hotel's Director of Sales. Wells continues on to ...

Debenhams has announced the launch of its first ever interactive TV channel, Debenhams TV which it expects will become the destination for shoppers and online browsers looking for easy-to-digest, friendly style and shopping advice and purchases. The new station is expected to win an estimated 1.5 million views in its first week, making it one of the most watched channels in the UK virtually overnight, giving Adrian Chiles and Christine Bleakley a run for their money. The channel will provide a fresh alternative to the traditional 'browse and buy' online shopping ...

Kate Moss launches her final mainline collection for Topshop this Autumn/Winter 2010, featuring '70s inspired pieces, capturing Kate's unique take on vintage bohemian dressing, launching in November. Beautiful floral printed day dresses are Biba-esque; delicate chiffons and cottons are decorated with daisy and star prints and sleeves are bell-shaped. Cross stitch panels, embroidered flowers and fringing feature on shift dresses creating a hand-made feel. The tea-dress makes a welcome return in chiffon, more ladylike just-below-the-knee length and a classic peasant dress ...

SES ASTRA, an SES company, has announced that the German entertainment channel RTL2 will launch in high-definition (HD) quality on HD+ starting in early December. HD+ is SES ASTRA's technical platform for the transmission and reception of TV programmes in HD quality via satellite for the German market RTL2 HD is the seventh private free-TV-channel to launch on HD+. Other channels broadcasting via HD+ include RTL HD, Sat. 1 HD, ProSieben HD, VOX HD and kabel eins HD and most recently Sport1 HD, which starts 1 November 2010. Since its market launch on 1 November 2009, ...

It's 2010, the decade of the iPhone, Android and Google unmanned cars. Are modern-day computers advanced enough to predict NFL games with greater certainty than a human? We'll use two test subjects, one called "Computer" and the other called "Human". Computer will be GameLine360.com, one of the most advanced online computer models available for NFL picks and NFL rankings. Human will be a consensus of the mainstream opinion-based power rankings. In our test, we'll look at a few of the high probability games over the past few weeks with significant differences between ...

Story Peeps Secret Society started out as a medium for the creator (who goes by the username SP Master) to vent his own personal secrets, which he carried around for years without the comfort of being able to expose them to someone else because of his trust issues. "The problem is that it's hard for me to trust people, because I have been stabbed in the back and betrayed countless times. And after years and years of walking around with this baggage of personal secrets, I kept thinking about how great it would be if I could vent them anonymously and help people who are ...

Atlantic Overseas Pictures, LLC. announced that due to the overwhelming response from the media, networks and aspiring cast to the new nude reality TV show "Nak'd Truth," the Producers have decided to stream the casting selection live over the Internet. Casting will take place on November 13 & 14 at the Caliente Resort in Tampa, Florida. All interviews for cast roles will be broadcast live from the pool deck at North America's most luxurious clothing optional Resort. Additionally, Internet viewers will be able to vote for whom they would like cast for the show. Viewership ...

Congratulations on your recent engagement! Now that you're engaged, the next step is to find your perfect dress. Gown search can be very overwhelming and time consuming. You will need to pick out the perfect gown for yourself, the perfect style for your bridesmaids, and the perfect dress for your mother. And all of that will have to coordinate with your wedding theme and color. That's a lot of work ahead for you! Nonetheless, it is a very exciting process to experience. While you're taking notes for your gown research, make sure you note this one down and check ...

Tableware and home furnishings store Didriks officially announced the launch of its Dinner Series blog site - www.dinnerseries.com. The blog features ideas and inspirations on cooking, entertaining, and dining with Didriks' lines of tableware, housewares and home furnishings. The Dinner Series blog site represents a unique approach to combining commerce with social media. Didriks, a retailer with an established national online presence, also hosts two other blogs featuring its products: blog.didriks.com and blog.belgian-linen.com. Five dinner parties have already ...

ManGlaze INK.'s new RAWKband is the low-profile leather restraint designed specifically to transform the iPod Nano into an iWatch! With RAWKband's James Bondage styling and Dual Snap technology, this manacle will look stunning and fit most wrists. The guys at ManGlaze INK. focused their design on style and functionality with their constant underlying goal being to attract women. This was not an easy task, considering you have to be a bit of a geek to wear an iPod Nano as a watch. Supreme functionality was achieved in RAWKband's design by adding no additional wrist-height ...

Boulder, CO, USA - Geology includes two papers on the 2009 6.3 L'Aquila earthquake, one of which features a new analysis technique, Focal Mechanism Tomography; a study on the impact of the Three Gorges Dam on the middle Yangtze; three papers on methane hydrates; findings of "easily recognized signatures of life" in iron-oxide-rich spheres and pipes near Escalante, Utah; and examination of a ~300-million-year-old bivalve shell. GSA Today investigates what caused the Dead Interval after the Cambrian explosion. Keywords: methane hydrates, Sri Lanka, monsoons, L'Aquila earthquake, ...

When it comes to understanding where tendencies to overweight and obesity develop, you have to begin with the very young, says John Spence, a behavioural scientist in the Faculty of Physical Education and Recreation at the University of Alberta. His research, the first of its kind to look at North American kids and published in the International Journal of Pediatric Obesity, examined four- and five year olds' avoidance or approach behaviours to food and their relationship with body weight. What he's found may help to unlock the causes of obesity and what we can do ...

Astronomers are used to looking millions of years into the past. Now scientists have used the NASA/ESA Hubble Space Telescope to look thousands of years into the future. Looking at the heart of Omega Centauri, a globular cluster in the Milky Way, they have calculated how the stars there will move over the next 10 000 years. The globular star cluster Omega Centauri has caught the attention of sky watchers ever since the early astronomer Ptolemy first catalogued it 2000 years ago. Ptolemy thought Omega Centauri was a single star and probably wouldn't have imagined that ...

VIDEO: Researchers at EPFL Signal Processing Laboratory 5 in collaboration with the University of Lausanne and partners in the US have studied how the brain makes connections between its different parts. Click here for more information. The brain's inner network becomes increasingly more efficient as humans mature. Now, for the first time without invasive measures, a joint study from the Ecole Polytechnique Fédérale de Lausanne (EPFL) and the University of Lausanne (UNIL), ...

US scientists have found a correlation between increased circuit activity in the right side of the brain and the suffering of involuntary flashbacks by post-traumatic stress disorder (PTSD) sufferers. Using a technique called Magnetoencephalography (MEG), which involves analysing the occurrence of magnetic charges given off when neuronal populations in our brain connect and communicate, the researchers have undertaken clinical trials to try and find differences between brain activity of PTSD sufferers and those with a clean bill of mental health. The findings, published ...

A clinical trial of a potential new targeted treatment drug has provided powerful evidence that it can halt or reverse the growth of lung tumors characterized by a specific genetic abnormality. In their report in the October 28 New England Journal of Medicine, a multi-institutional research team reports that daily doses of the investigational drug crizotinib shrank the tumors of more than half of a group patients whose tumors were driven by alterations in the anaplastic lymphoma kinase (ALK) gene. In another one-third of study participants, crizotinib treatment suppressed ...

Pittsburgh, Pennsylvania…Today in the journal Nature, a new discovery described by a team of international scientists, including Carnegie Museum of Natural History paleontologist Christopher Beard, suggests that anthropoids—the primate group that includes humans, apes, and monkeys—"colonized" Africa, rather than originally evolving in Africa as has been widely accepted. According to this paper, what is exceptional about these new fossils—discovered at the Dur At-Talah escarpment in central Libya—is the diversity of species present: the site includes three distinct families ...

Astronomers using the National Science Foundation's Green Bank Telescope (GBT) have discovered the most massive neutron star yet found, a discovery with strong and wide-ranging impacts across several fields of physics and astrophysics. "This neutron star is twice as massive as our Sun. This is surprising, and that much mass means that several theoretical models for the internal composition of neutron stars now are ruled out," said Paul Demorest, of the National Radio Astronomy Observatory (NRAO). "This mass measurement also has implications for our understanding of all ...

RIVERSIDE, Calif. – A team of scientists, led by biogeochemists at the University of California, Riverside, has found new evidence linking "Snowball Earth" glacial events to the rise of early animals. The controversial Snowball Earth hypothesis posits that the Earth was covered from pole to pole by a thick sheet of ice lasting, on several occasions, for millions of years. These glaciations, the most severe in Earth history, occurred from 750 to 580 million years ago. The researchers argue that the oceans in the aftermath of these events were rich in phosphorus, a nutrient ...

Boston, MA—A new study has found that regular consumption of soda and other sugar-sweetened beverages is associated with a clear and consistently greater risk of metabolic syndrome and type 2 diabetes. According to the Harvard School of Public Health (HSPH) researchers, the study provides empirical evidence that intake of sugary beverages should be limited to reduce risk of these conditions. The study appears online October 27, 2010, in the journal Diabetes Care and will appear in the November print edition. "Many previous studies have examined the relationship between ...