In case your car was damaged by something other than a collision with another vehicle, such as fire, theft, or flooding, comprehensive coverage pays for the repairs to your car. This is useful in case of a hit-and-run or when your car is hit by a driver who is covered by a policy with inadequate liability limits. To better protect yourself on the road, we recommend that you purchase car insurance with more comprehensive coverage than that of PLPD.
Nowadays, the cost of extra coverage is reasonable as compared to the possible costs of accidents in the long run. At The Clark Law Office, we have a professional and dedicated team of auto accident lawyers who can help you get the best results for your case.
For a free consultation, call or contact us today. Skip to content. It usually refers to the minimum state required liability limits of auto insurance on a vehicle. This coverage offers third party coverage for bodily injury but offers no coverage for vehicle damage if you are in an accident. If you only have PLPD, and no other coverages like collision or comprehensive, then insurance will not pay for the vehicle damage to your car.
Instead, because Michigan is a no-fault state, a vehicle owner is responsible for insuring his own vehicle for vehicle damage. We offer great rates whether you have a totally clean record or if you have had some problems in the past. Tickets, accidents, poor credit or just plain bad luck, if you can legally drive it, we can insure it. NO matter what your record is like, we match the right driver to the right company. Our policy and claims service organizations are focused on serving the customer to complete the recipe for success.
This type of insurance protects individuals if they accidentally cause property damage or bodily injury to others. Never heard of PLPD insurance? You're not alone despite the fact that most people have most likely been carrying it since they learned to drive.
So, what does PLPD stand for in the insurance world? PLPD stands for personal liability and property damage insurance.
You probably know it as liability insurance. Most states require every driver out on the road to carry liability coverage, only the coverage levels vary. PLPD car insurance pays for the cost of the other drivers' medical costs if you are responsible for an accident and the person you hit is injured. In addition, it covers the cost of any property damage you may do in an accident. While this is usually another person's car it will also cover damage to fences, mailboxes, landscaping, and even garage doors.
It is possible to purchase liability coverage as two separate policies, but it often just sold under the name liability insurance. The PL in PLPD stands for personal liability insurance and this coverage kicks in when you are at fault in a car accident and there are injuries involved.
In most states, it is commonly known as "bodily injury" coverage. This insurance helps cover the medical bills for the other driver as well as any passengers in the vehicle. It also pays out to cover lost wages and rehabilitation costs. PLPD auto insurance comes with two coverage levels, the first one is the max amount the policy will pay out per person per accident and the second is the maximum payout per accident.
Bodily injury coverage limits are usually written together on the policy to spell out the exact coverage limits. Coverage limits can vary dramatically, and while states set minimum amounts of personal liability coverage that every driver must carry, they are often fairly low and will quickly be eaten up in a serious accident. If you are responsible for anything more serious than a fender bender the medical bills could easily surpass these limits very quickly.
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