Group 1 - The article highlights a significant increase in traffic accidents due to adverse weather conditions, with nearly 4,400 claims reported by Nanjing Insurance as of January 20, marking an over 400% surge compared to normal levels [1] - Insurance companies are advising citizens to prioritize public transportation during snowy weather to reduce risks, and for those who must drive, to ensure their vehicles are cleared of snow and to maintain safe driving practices [1] - An emergency support mechanism has been activated by insurance companies to enhance claims processing efficiency, allowing for same-day compensation for minor claims under 10,000 yuan through online submissions [1] Group 2 - Digital services for online accident responsibility determination and claims processing are fully operational, enabling vehicle owners to handle these matters conveniently through official apps and WeChat mini-programs [2] - Citizens are encouraged to stay updated on weather forecasts and road conditions to plan their travel routes safely [2]

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