Will the insurance company provide rescue service if the tire is punctured?
2 Answers
Tire puncture rescue is covered by insurance companies. Insurance definition: Automobile insurance is a type of commercial insurance that provides compensation for personal injuries or property damage caused to motor vehicles due to natural disasters or accidents. Compulsory Traffic Accident Liability Insurance (CTPLI): CTPLI is a mandatory national insurance that every vehicle owner must purchase. If a vehicle is driven without CTPLI, once detected, the vehicle will be impounded (until CTPLI is obtained and displayed in the designated position), fines will be imposed, and corresponding penalty points will be deducted. CTPLI primarily covers personal injuries and property losses to victims (excluding passengers in the insured vehicle and the insured person) in traffic accidents. However, the compensation limit of CTPLI is limited and cannot cover large-amount personal injury accidents.
When I was on a long-distance drive before, my tire got punctured by a nail, and I panicked. I quickly checked the insurance policy. Most insurance companies, such as Ping An Auto Insurance or PICC, provide free roadside assistance services, including towing or tire replacement after a puncture, provided you have comprehensive insurance or related additional coverage. However, you need to check the policy details: some offer up to 3 free services per year, within a 100-kilometer range; if you exceed this limit or use up the free services, you'll have to pay out of pocket, starting at around 300 to 400 RMB. It's advisable to first call the insurance company to report your license plate number and location—they'll send someone, usually arriving within 30 minutes. Don’t forget, this service only covers private vehicles; commercial vehicles need to inquire separately. In short, stay calm, check your insurance coverage before seeking help. If it’s not covered, using a mobile map app to find nearby repair shops also works—just avoid driving recklessly to prevent further tire damage.
