What Is Covered by : Comprehensive Auto Insurance?

Comprehensive auto insurance is an optional insurance coverage that provides protection for your vehicle against a wide range of risks that are not covered by collision insurance. Comprehensive auto insurance is sometimes referred to as “other than collision” insurance because it covers damage to your vehicle that is not caused by a collision with another vehicle or object. Let’s take a closer look at what is covered by comprehensive auto insurance.

Covered Perils

“Covered perils” refer to the events or types of damage that are covered by an insurance policy. In the case of auto insurance, there are several types of covered perils that may be included in your policy.

Collision coverage is one type of covered peril that pays for damages to your vehicle if it collides with another vehicle or object, such as a tree or a pole. This coverage typically includes both at-fault and not-at-fault accidents.

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Auto Insurance for Teen Drivers Tips and Tricks

Auto insurance for teen drivers is an important consideration for parents and guardians. Teen drivers are often more inexperienced and have a higher risk of accidents than more seasoned drivers. Therefore, it is essential to have the proper insurance coverage to protect both the teen driver and others on the road. In this article, we will explore some tips and tricks for obtaining auto insurance for teen drivers.

Add them to your existing policy

One option for obtaining auto insurance for a teen driver is to add them to an existing policy. This is typically the most cost-effective option as the teen driver can benefit from the existing policy’s discounts and coverage. However, it is important to note that adding a teen driver to your policy can result in an increase in premiums. Therefore, it is important to shop around and compare policies to find the best option.

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Why Auto Insurance is a Must-Have for Every Driver

Auto insurance is a crucial investment for every driver. Accidents can happen at any time, and they can be expensive and even devastating. Auto insurance provides financial protection and peace of mind in the event of an accident or theft. In this article, we will explore some of the reasons why auto insurance is a must-have for every driver.

Protection against financial loss

Auto insurance provides protection against financial loss if your car is damaged or stolen. If you are in an accident and your car is damaged, your insurance can cover the cost of repairs or replacement. This can save you thousands of dollars in out-of-pocket expenses. Additionally, if you are found to be at fault for an accident and someone else is injured or their property is damaged, your insurance can cover the cost of any legal fees, medical bills, or other expenses that may arise.

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Tips for Creating and Maintaining a Collaborative Team Environment » Business Analysis Experts


Social Skills Are Powerful Teambuilding Assets

In a collaborative team environment, individual members are more efficient at their jobs because they understand the other’s strengths and weaknesses better. In turn, this help build trust within the group, which adds to job satisfaction.

Influence and Persuasion Are Different People Skills

You build a collaborative team environment through persuasion, which includes the use of language, body language and visual cues. Persuasion includes cognitive biases such as social proof, reciprocity, and authority bias.

You can also build it through influence. Influence is more durable than persuasion, but it also takes a lot more up-front effort. To influence a decision, you first have to gain the trust of the deciding party. If you ever violate that trust, you your ability to influence them evaporates.

This video presents a layman’s perspective on the conscious and nonconscious minds interacting to turn teambuilding to an artform.

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A Formula for Great Gherkin Scenarios (with Given-When-Then Examples) » Business Analysis Experts


Given-When-Then Examples for Non-functional Requirements (NFRs)

Most of your Scenarios will test the functionality of the product or feature, but non-functional testing is as important as functional testing. If you want to ensure customer satisfaction do not neglect writing Scenarios that test Non-Functional Requirements (NFR) of the product as well.

As a refresher, NFRs express conditions such as how many, how often, how fast, how friendly, etc. Any of the four common types (Constraints, Performance, User Experience, or Volatility) should be tested. Testing Non-Functional Requirements can be extremely time- and resource-intensive. For that reason, many organizations have specialists whose primary job is performance testing, security testing, usability testing, etc.

However, if an NFR is important to the success of a product or feature, you should define User Acceptance Criteria or UAT Test Cases that will instill the confidence that the Non-functional Requirement has been met.

Here is an example

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8 Techniques for Splitting User Stories » Business Analysis Experts


Splitting User Stories by Workflow Steps or Events

The idea of splitting a User Story or Epic by workflow steps is simple:

  1. Find the fewest number of workflow steps needed to deliver business value to the end-user
  2. Create a Split Story for those steps
  3. Move the remaining steps of the workflow to future releases.

However, if you have ever tried to split a Feature, Story, or Epic by workflow steps, you know how tricky it can be.

For simple workflows, we recommend a technique called “Sequence of Events.” It works like this: You ask your end-users to walk through the events that happen (workflow steps) in their head and write them down on a piece of paper. Tell them not to worry about whether the steps are sequential or not, you just want to hear them all.

For example, for an event planning product, we got this Epic that

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