Group 1 - Severe hailstorm and strong winds occurred in multiple districts of Beijing, causing significant damage to vehicles [1] - Hailstones were reported to be larger than 4 cm in diameter, with some the size of eggs [1] - Insurance companies confirmed that vehicles with comprehensive insurance can claim compensation for damages caused by hail [1] Group 2 - After reporting the damage, vehicle owners should take comprehensive photos and collect meteorological evidence to support their claims [2] - Insurance companies have mobilized resources, with over 300 claims adjusters deployed and 1,200 repair shops prepared for assistance [2] - As of May 14, over 4,000 claims related to hail damage had been reported, with several claims already compensated [2] Group 3 - Pacific Insurance reported receiving 42 claims due to natural disaster-related vehicle damage, with a significant number from the Shijingshan District [3]

Core Viewpoint - The legal framework surrounding compensation for operational losses due to traffic accidents involving ride-hailing vehicles has been clarified through recent court cases, establishing that such losses are recognized as property damage and are compensable under certain conditions [1][2]. Group 1: Legal Cases and Outcomes - In a case from January 2024, a ride-hailing driver sought compensation for four days of operational loss after being involved in an accident where he was not at fault, and the court ruled in his favor, determining a compensation amount of 873.09 yuan for three days of downtime [1]. - Another case from June 2023 involved a ride-hailing driver whose vehicle was out of service for nine days due to an accident, with the court awarding him 2,700 yuan for his operational losses, affirming that such losses are reasonable and compensable [2]. Group 2: Insurance Implications - Compensation for operational losses falls under the category of property damage and is covered by mandatory traffic accident insurance (交强险), while the applicability of commercial insurance for such losses depends on the specific terms outlined in the insurance contract [2]. - If an insurance company has clearly communicated any exclusions regarding operational loss compensation, the liability may shift to the party at fault in the accident [2]. Group 3: Recommendations for Drivers - Ride-hailing drivers are advised to maintain accurate records of their daily operational income to substantiate claims for operational loss compensation in the event of an accident [3]. - Both ride-hailing and private vehicle drivers should familiarize themselves with relevant laws and regulations to better understand their rights and obligations, thereby protecting their legal interests [3].

《最高人民法院关于审理道路交通事故损害赔偿案件适用法律若干问题的解释》第十五条第一款第 一项中"驾驶人未取得驾驶资格或者未取得相应驾驶资格"的表述应当理解为除了尚未考取驾驶证的典型 无证驾驶情形外，还涵盖了所有无驾驶资格的情况，包括记分满12分、驾驶证超过有效期未满一年、驾 驶证被吊销、注销、扣留期间，以及所持驾驶证与准驾车型不符（如持C2驾驶证驾驶手动挡小型汽 车）、持部队驾驶证驾驶地方机动车、持境外驾驶证驾驶机动车等情况。 张某由于驾驶证逾期处于注销状态，此种情况符合上述法条规定的情形。那么，为什么驾驶证被注 销不能构成交强险的免责事由呢？交强险的赔付不同于一般侵权责任和合同责任，其突破一般保险赔偿 责任理论，对违法情形下的损害仍然予以赔付，主要也是基于其制度功能和救济目的的实现。交强险是 强制性保险，其设立目的是保障机动车道路交通事故受害人依法得到赔偿，促进道路交通安全，其具有 高度社会公益性。迅速填平损害是交强险责任制度设计的重要目标。如果将驾驶人违法情形下发生的交 通事故损害风险，特别是驾驶人无力赔偿的风险转嫁给交通事故的受害人，则违背了交强险的设立目 的。 需要特别提醒的是，未取得驾驶资格或未取得 ...

Core Viewpoint - The article discusses the impact of extreme weather on vehicle damage and the insurance claims process, emphasizing the importance of having comprehensive vehicle insurance to cover such losses [1][2]. Group 1: Insurance Coverage - According to the terms of motor vehicle loss insurance, insurers will compensate for vehicle damage caused by natural disasters or accidents during the insurance period, provided it is not within the exclusion range [1]. - Vehicle damage insurance is a voluntary commercial insurance, and if a vehicle owner only opts for mandatory liability insurance, they will not receive compensation for damages caused by natural disasters [1]. - Certain policyholders may have chosen exclusions for engine water damage, meaning if their vehicle's engine is damaged due to flooding, the insurer will not provide compensation [1]. Group 2: Premium Impact - The composition of car insurance premiums includes mandatory liability insurance and commercial insurance, with the latter being affected by claims related to natural disasters like hail and heavy rain [2]. - Claims made under comprehensive vehicle insurance can influence the No Claim Discount (NCD) coefficient, which affects future premium rates over a four-year period [2]. - Insurers set their own pricing coefficients based on claims history, and a claim due to hail can lead to an increase in these coefficients [2]. Group 3: Risk Mitigation - Vehicle users are advised to stay informed about weather warnings and adjust their travel plans accordingly to avoid exposing their vehicles to risk [2]. - Recommendations include parking in higher ground or indoor facilities during heavy rain and using protective covers for vehicles during hailstorms [2]. - Electric vehicle owners should avoid charging during heavy rain and refrain from starting their vehicles if they have been submerged to prevent secondary risks [2][3].

Core Viewpoint - The article discusses the implications of emergency parking during sudden hailstorms, highlighting the debate on whether such actions can be justified as "emergency avoidance" and the potential legal consequences involved [2][4]. Group 1: Emergency Avoidance Behavior - Drivers seeking shelter under overpasses during hailstorms caused significant traffic congestion, leading to public criticism regarding the selfishness of their actions [2]. - Experts suggest that while emergency parking can be justified in dangerous situations, drivers should ideally pull over to the side of the road to minimize obstruction [4][5]. - The concept of "emergency avoidance" is recognized, but it must be balanced against the need to allow passage for emergency vehicles like ambulances [3][4]. Group 2: Insurance Implications - Following the hailstorm, there are concerns regarding insurance coverage for vehicles damaged by hail, which depends on the type of insurance policy held by the vehicle owner [6]. - Policies that include comprehensive coverage will typically cover damages from hail, while basic liability insurance may not [6]. - Vehicles parked in restricted areas may face denial of claims due to the owner's negligence, emphasizing the importance of proper parking during adverse weather conditions [6].

Core Points - Severe hailstorm occurred in Beijing on May 13, with hailstones reaching the size of eggs and causing damage to crops and vehicles [1][3][5] - Insurance companies reported receiving 28,200 claims related to hail damage, with estimated losses amounting to 193 million yuan [8] Group 1: Weather Impact - The hailstorm lasted approximately 10 minutes, with the largest hailstones being the size of ping pong balls [3] - The storm moved from west to east, affecting areas in Hebei such as Langfang and Baoding, which issued orange alerts for hail [2][3] - Agricultural departments are assessing crop damage and coordinating with insurance companies to expedite claims processing [5] Group 2: Insurance and Claims - Vehicle owners with comprehensive insurance can claim damages caused by hail, while those with only mandatory insurance cannot [8] - The claims process requires reporting to the insurance company within 48 hours after the hail stops, with many companies offering quick claim features [8] - Detailed documentation, including photos and videos of the damage, is necessary for the claims process [8] Group 3: Safety Measures - Drivers are advised to reduce speed and activate hazard lights during hailstorms to better control their vehicles [11] - Seeking shelter in indoor parking or covered areas is recommended to protect vehicles from hail damage [11] - If no shelter is available, positioning the vehicle to minimize direct impact from hail is suggested [11]