Public Liability and Property Damage (PLPD) car insurance is basically the same type of coverage as bodily injury and property damage liability insurance. However, it is common for individuals living in the northern region of the United States to purchase PLPD insurance. This type of coverage is most common in the state of Michigan – where people buy it in order to meet the minimal insurance requirements set by their state.
This type of insurance will provide you with third party coverage, but nothing in terms of collision and car damage if you happen to be involved in an accident. For this reason, it is typically recommended to buy additional coverage and not settle for a basic PLPD policy. Still there are many individuals that can only afford to meet the minimal requirements, so they get insurance just in case they do cause property damage or injure someone else. PLPD will NOT insure their own vehicle if it is damaged though.
Is everyone required to carry PLPD insurance?
Not every driver will have “PLPD” labeled on their insurance policy, but they will need to meet their state insurance requirements. In all states, it is required that you purchase a certain amount of property damage and liability coverage. In “no-fault” states, the system works differently and you are generally responsible for collecting claims through your own insurance company because “fault” is not assigned. However, there are plenty of states that officially label “PLPD” as a type of coverage you need on your policy.
If you do not see “PLPD” listed on your insurance policy, there is no need to panic – you probably have both public liability and property damage already covered. If you want to make sure, a good way to find out is to double check with your insurance company. On your policy it may be labeled as BI (bodily injury) and PD (property damage) and they may be listed separately. In this case, as long as you are meeting the state minimum requirements, you should be fine.
Is PL/PD car insurance the only coverage that I need?
It is recommended that you get more coverage than just the minimum PLPD requirements. Most people recommend buying additional collision and comprehensive car insurance because they offer more thorough protection. For example, if you cause an accident and smash your vehicle, and only have PLPD – you are only insured for the damages that you cause to the other party involved in the accident. You will not get to have your car repaired with money from your insurance company unless you also purchased collision insurance.
Additionally in the following scenarios: if there is animal damage caused to your vehicle, if your car gets stolen, if bad weather causes hail damage, or if your vehicle is stolen, you will not get any compensation from your insurance company under a basic PLPD policy. In order to get compensation, you will need to make sure that you have purchased a comprehensive car insurance policy in addition to the PLPD requirements. It may seem unfair, but in the world of insurance, you get what you pay for.
You will also need to get PIP (personal injury protection) insurance if you live in a “no fault” state. Keep in mind that since every individual is different and there are different regulations from state to state, it is up to you to make sure you are satisfied with your coverage. If you are currently purchasing the “bare minimum” and only buying P.L.P.D. coverage without any extras – it could be devastating if you get in an accident and have to pay for all repair damages out of your own pocket.
Getting free quotes for PLPD coverage
If you would like to get a free quote for PLPD insurance, it is recommended that you use the toll at the top of the page. Since every state has different minimum requirements, entering your zip code will narrow down the policy options and give you a free list of the best providers based on your specific location. From there, you can get free quotes for your PLPD insurance and contact insurers to discuss the possibility of getting additional coverage.
Remember that anytime you get insurance, you will want to make sure that you are getting the right type of coverage. If you get into an accident and don’t have the coverage that you wanted, you’re going to end up feeling extremely upset. All it takes is making a quick phone call to an insurance company so that you can find out whether you have more than just basic public liability property damage insurance!