Health Insurance: Auto Injury Coverage

PLPD stands for Personal Liability and Property Damage insurance. It is a common form of automobile insurance that covers the costs of another person's medical care and property damage after an accident that you are responsible for. While PLPD is a mandatory part of insurance in almost every state, it does not cover damage to your own property. So, if you are in an accident and it is your fault, your regular health insurance will not cover your injuries or damage to your vehicle.

What does PLPD stand for?

PLPD stands for Personal Liability and Property Damage insurance. It is also known as liability insurance and is a common form of automobile insurance. PLPD insurance covers you if you cause property damage or bodily injury to others. It does not reimburse you for damage to your own property. Instead, it covers the other driver's medical treatment and property damage when you cause an accident.

Personal liability insurance covers the medical bills of the other driver and their passengers, as well as their lost wages due to injury. It is usually called "bodily injury" coverage. Property damage insurance covers damage to another party's property when you are at fault for an accident. This includes damage to another vehicle or other property, such as a fence or the structure of a home.

PLPD insurance is mandatory in almost every state, and the minimum required amount of personal liability coverage varies by state. In Michigan, for example, the minimum amount of liability coverage you must carry is $250,000 per person and $500,000 per accident. The term "PLPD" is most commonly used in Michigan due to its unique no-fault insurance system, but PLPD insurance is available nationwide.

What does PLPD insurance cover?

PLPD stands for Personal Liability and Property Damage insurance. It is also known as liability insurance and is a common form of automobile insurance.

PLPD insurance covers you if you cause property damage or bodily injury to others. It pays for the other driver's medical treatment and property damage when you are at fault in an accident. It covers medical expenses, hospital, ambulance and other medical costs, as well as pain and suffering, and lost wages.

In terms of property damage, it covers the cost of damage to another person's vehicle, as well as structures such as fences, mailboxes, and landscaping. It is important to note that PLPD insurance does not cover any injuries to you or damage to your own car.

While the term PLPD is commonly used in Michigan due to its unique no-fault insurance system, PLPD insurance is available and mandatory in almost every state. Each state has its own minimum coverage requirements for PLPD insurance, so it is important to check the specific requirements for your state.

What does PLPD insurance not cover?

PLPD insurance, which stands for personal liability and property damage insurance, is a common type of auto insurance that covers damage to another person or their property if you are responsible for an accident. While PLPD insurance is a standard offering, the specific coverage it provides may vary by state.

Here's what PLPD insurance generally does not cover:

Collision Coverage

Collision coverage pays for repairs to your vehicle if it is damaged in an accident. This type of coverage is optional and typically includes four variations: broad form collision coverage, standard collision coverage, limited collision coverage without a deductible, and limited collision coverage with a deductible.

Comprehensive Coverage

Comprehensive coverage is intended to cover repairs to your car or truck caused by something other than a collision with another vehicle. This includes damage due to fire, theft, vandalism, hail, flooding, or even hitting an animal.

Uninsured/Underinsured Motorist Coverage

Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage protects you in the event of an accident caused by a driver who is uninsured or has insufficient insurance coverage. This includes hit-and-run incidents, which are treated as uninsured motorist cases.

Mini-Tort Coverage (Limited Property Damage)

If you are at fault for damaging another vehicle (excluding parked cars), mini-tort coverage will pay a limited amount towards the repair costs of the other vehicle. The coverage limit is typically $1,000, but it can vary depending on the state and the date of the incident.

While PLPD insurance provides essential coverage for your legal responsibility to others in an accident, it does not cover injuries to you or damage to your own vehicle. Therefore, it is important to consider additional coverage options, such as collision and comprehensive insurance, to ensure comprehensive protection.

What is the difference between PLPD and PIP?

PLPD stands for "personal liability and property damage" auto insurance coverage. It is the least amount of insurance coverage that a driver is required by law to carry on their own motor vehicle before driving it on a public road in the state where the driver lives.

PLPD insurance covers injuries and property damage for the other driver if you are found to be at fault in a car accident, but it does not reimburse you for your own medical expenses or damage to your own property. The term PLPD is most commonly used in Michigan and is known as "basic liability" in the rest of the United States.

PIP, or "personal injury protection", is a type of car insurance that covers the policyholder's medical bills after an accident. It is required in states with no-fault laws, where drivers must file claims for minor injuries with their own PIP insurance rather than with the at-fault driver's bodily injury liability coverage. PIP is required in 13 states and is offered as an optional protection in 20 states (plus Washington, D.C.).

In summary, the main difference between PLPD and PIP is that PLPD covers injuries and property damage for the other driver if you are at fault, while PIP covers the policyholder's own medical expenses after an accident.

What is the minimum PLPD insurance required?

The minimum PLPD insurance required differs from state to state. PLPD stands for personal liability and property damage insurance, and it covers you if you cause property damage or bodily injury to others. It is required by law in most states, and in Michigan, it is an essential part of the state's unique no-fault insurance system.

• California: 15/30
• Alaska and Maine: 50/100
• District of Columbia: 25/50/10 UM BI: 25/50 UMPD: $5,000
• Florida: 10/20/10 PIP: $10,000 (although BI liability is not required by Florida, many carriers require 10/20)
• Michigan: 50/100/10

The numbers above refer to the maximum amount covered per person and the maximum per accident. For example, in California, the minimum PLPD insurance required is $15,000 per person and $30,000 per accident. In Michigan, the minimum amount of liability coverage is $250,000 per person and $500,000 per accident, while the minimum property damage coverage is $10,000.

Frequently asked questions