There are many accidents in rainy and snowy weather in winter. Can I pay for traffic accidents caused by weather?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Hello! In rainy and snowy weather, the probability of unexpected bumps is greater, so it is necessary to insure appropriate auto insurance as soon as possible to improve car security.

Can I pay for traffic accidents caused by weather?

The scope of compulsory insurance includes:

1. In case of liability, the maximum compensation for the third party's property loss is 2000 yuan, the maximum compensation for the third party's medical expenses is 10000 yuan, and the maximum compensation for the third party's death and disability is 1 10000 yuan. ?

2. When there is no responsibility, the maximum compensation for property loss 100 yuan, medical expenses 1000 yuan and death and disability10/000 yuan. Medical expenses include: medical expenses, medical treatment expenses, hospitalization expenses, food subsidies for hospitalization, necessary and reasonable follow-up treatment expenses, cosmetic surgery expenses and nutrition expenses. Death and disability expenses include: funeral expenses, death compensation, transportation expenses for handling funeral matters, disability compensation, disability AIDS, nursing expenses, rehabilitation expenses, transportation expenses, living expenses of dependents, accommodation expenses, lost time, and spiritual damages caused by judgment or mediation.

As long as you don't drive illegally, the compulsory insurance hasn't expired, and the traffic accidents fall within the above scope, you can get compensation. Thus, the coverage of compulsory insurance is very limited. Individuals who want to improve their own protection also suggest that you buy the following three major commercial auto insurance:

1. Theft and rescue. After the whole vehicle is insured against theft and emergency rescue, the insurance company will pay for the reasonable cost of maintenance due to the theft, robbery and robbery of the whole vehicle. If the vehicle does not have a fixed parking lot, or it is a model that is easy to be stolen, consider buying a whole vehicle for emergency rescue.

2. Third party liability insurance. If an accident occurs during the use of the vehicle, causing personal injury or property loss to a third party, the insurance company shall compensate the insured for the part exceeding the compensation limit of compulsory insurance in accordance with the contract. If you unfortunately hit a luxury car or cause serious injuries while driving, the compensation may be as high as hundreds of thousands, and the maximum compensation for compulsory insurance is 1.22 million, which is obviously a drop in the bucket. However, the insurance company can compensate for the insufficient part of the compulsory insurance payment. It is recommended to buy at least 200,000-500,000.

3. Liability insurance for personnel on board. Driver's liability insurance: if a vehicle has an accident and the driver is injured or killed, the insurance company will compensate the loss according to the contract. Especially novices or people who often drive, the risk is greater. It is recommended to buy it to better protect your own safety.

In order to insure your car, you have to buy not only compulsory car insurance, but also commercial car insurance. It is an insurance platform that provides professional auto insurance and insurance schemes. You are welcome to buy it.