How to choose the most suitable insurance in snowy days?

In winter, in addition to wearing new clothes wrapped in silver, heavy snow also makes it inconvenient for us to travel. In particular, news events that caused accidental injuries due to heavy snow, such as pedestrians walking on the road being suddenly hit by falling objects collapsed by heavy snow, etc. Although the probability of such things is low, accidents in snowy days are not uncommon in general, especially the accident insurance for the elderly and children should be paid more attention to. Then it is particularly necessary to buy accident insurance for yourself and your family.

But in the process of buying, we need to pay attention to the following two points:

First, the "accidental injury" of accident insurance is different from the "accidental injury" referred to in daily life. Generally speaking, only foreign, sudden, unintentional and non-disease elements that meet the insurance clauses constitute accidental injuries within the scope of accident insurance liability. Without any element, the insurance company will not pay.

Second, there are two types of accident insurance, one is accidental injury insurance and the other is accidental medical insurance. The insurance liability of the former usually only covers accidental death and disability; The latter usually covers outpatient and emergency medical expenses caused by accidents, and attention should be paid to the difference when purchasing. Protecting crops from snowstorms and heavy snowfall will not only bring inconvenience to our travel, but also cause serious damage to many farmland. Generally speaking, this kind of compensated insurance product is agricultural insurance. Agricultural insurance mainly includes aquaculture insurance and planting insurance. Generally speaking, crop insurance is crop insurance, such as rice and wheat insurance.

When purchasing agricultural insurance, we need to know the following two points in advance:

First of all, the scope of agricultural insurance compensation includes not only natural disasters and accidents, such as floods, hail and epidemics. It also includes sacrificing personal interests for public utilities, such as culling and burying sick animals to prevent the spread of livestock diseases.

Two, agricultural insurance can be divided into policy agricultural insurance and commercial agricultural insurance, of which policy agricultural insurance can enjoy financial subsidies. The specific types of policy agricultural insurance should be adapted to local conditions, and the types and scope of insurance in different regions are different.

Car owners need to be prepared for rain and snow in advance. In addition to the increased probability of accidents when people travel, they also need to plan ahead when driving. Because compulsory insurance implements a unified national liability limit, its coverage is not enough to cover medical expenses and property losses. In the choice of vehicle commercial insurance, it is suggested to give priority to whether the vehicle damage insurance is fully insured. Snow in winter is easy to damage the car body. At this time, if the owner does not insure the car damage insurance, the loss will be paid by himself.

In addition, due to the slippery road in snowy days, the probability of personal injury caused by collision is high, so it is also necessary to insure the full third party insurance and vehicle personnel liability insurance. Finally, I need to remind you that it is impossible to be foolproof without insurance in rainy and snowy weather. Driving carefully in rainy and snowy days, changing the mode of transportation and minimizing travel are the right choices!