What Does PICC Motor Vehicle Damage Insurance Cover?
2 Answers
PICC Motor Vehicle Damage Insurance generally refers to vehicle damage insurance, which includes no-deductible coverage, spontaneous combustion insurance, glass insurance, water submersion insurance, third-party-not-found insurance, and scratch insurance. Below are the specific details of motor vehicle damage insurance: 1. Claim Scope: Motor vehicle damage insurance generally covers vehicle losses caused by collisions, falls, spontaneous combustion, fires, explosions, storms, heavy rain, mudslides, landslides, etc. It also covers necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle after an insurance incident. The insurance company is responsible for claims within the scope of liability. 2. Main Coverage: Motor vehicle damage insurance primarily covers damage to the insured vehicle caused by an insurance incident.
I'm familiar with PICC's Motor Vehicle Damage Insurance. Having driven for over 20 years, it basically covers all vehicle damage scenarios. This includes collision or overturning risks caused by accidents, such as hitting a tree or rolling over; damage from natural disasters like heavy rain, floods, or lightning strikes; as well as theft and robbery losses. The insurance also covers reasonable repair costs, sometimes including rescue towing fees. I must remind you about the deductible issue – it's advisable to purchase additional coverage to avoid out-of-pocket expenses. PICC's claims process is smooth; after reporting the incident, you can directly send the vehicle for repairs. Overall, having vehicle damage insurance provides much more peace of mind on the road, especially during long-distance driving when you don't have to worry about unexpected situations.
