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If the other party has insurance then their "property damage" coverage should cover damage to your vehicle. If you happen to be At Fault or there is some question as to who is at fault then it might be hard to collect from their insurance company. Only if the other party is at fault. If you have collision insurance, you can file the claim with your own agent. Then you will be paid for your damages, less your deductible, and when your company collects from the other company you will also get your deductible. If you do not have collision, you will have to file your claim directly with the at-fault driver's insurance. If the company denies your claim (and unless there is very compelling evidence that their client was at fault, they will), you will have to sue the driver. Then, IF YOU WIN the lawsuit, their insurance will pay.

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โˆ™ 2005-10-23 04:21:16
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Q: If you have PLPD and are involved in an accident does their insurance cover your car?
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If you have PLPD and your car is totaled in an accident that is not your fault will the other drivers insurance cover your damages?

I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket.


If you have an accident with your husband's vehicle which has only PLPD insurance can he make a claim against the full coverage on your vehicle?

No. If you had an accident with your husbands car and you were at fault with only PLPD insurance, the damages to your vehicle would not be covered.


Does PLPD insurance cover you if you lose control of your car on ice and hit a tree?

No


Plpd on car no one else involved car flipped but driver taken to hospital does health insurance step in for patient?

What does Plpd mean?


Should plpd insurance cover costs for hitting a wild animal?

Nope, PLPD aka liability only covers other vehicles for accidents which you may be at fault for. Comprehensive insurance would take care of an incident such as this.


What are the rules or guidelines of PLPD insurance?

PlPD = public liability, property damage, meaning your policy will cover medical and some property damage to a vehicle or property you may have an infraction with


What does PLPD car insurance cover you for?

PLPD is public liability and property damage. Property damage provides insurance cover against damage caused by you to the other person's vehicle or building, etc. Public liability insurance covers the occupants of both your and the other vehicle usually to a maximum of $250,000. Note that PL&PD does not cover your vehicle nor you as the driver.


Can you get your totaled vehicle replaced by the other driver's insurance if the accident was not your fault but you have Michigan PLPD insurance?

Yes, but proof will be necessary - determining fault. Some insurers like to mess with your head and question the "fault" and deny coverage. Get it in writing - possibly by the at-fault driver or YOUR insurance company. Here in Canada, even if you only have PLPD, if the accident is not your fault you are covered for repair, minus the deductible.


Is it legal for your insurance company to deny a loss for a car that was totaled?

It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage


If you have PLPD or no fault insurance and you hit someone from behind and their car is fine and yours is not will your car insurance cover it?

No. PL & PD cover injury and damage you do to other persons and their property. Collision and Comprehensive cover your vehicle.


Is fire and theft covered on plpd insurance in Michigan?

No, if your car burns, is stolen, or is destroyed by vandalism, you won't receive a cent in Michigan with PLPD. Even in an accident you won't receive anything, your PLPD will only pay other people for damage you cause to them, it won't pay you a dime, that's why it's cheap.


Will PLPD cover the damages on your car if you are involved in a hit and run accident that is not your fault?

Unless you have an uninsured motorist coverage attached to your PLPD policy, you are otherwise screwed. Your only other option beyond this is to sue the driver if they got caught. Well we all know lawsuits can only be so effective but they can take time and money to complete. Even if you win you aren't guaranteed any money, if the other party ever pays at all. Moving on, PLPD only covers any at fault accidents YOU may have. When I had my first car I had PLPD BUT I had an uninsured motorist coverage on my policy. It turned out that was the right thing to do because I was involved in a hit and run myself, and since the other party was deemed as having no insurance, my car was paid for.


What is PLPD?

Public Liability and Property Damage insurance. Bascially liability insurance.


Does your plpd insurance cover the damages to a car that you hit?

I am assuming that you are making up some abbreviation by using the plpd. The part of the policy that would pay for the damages to the car you hit if it was your fault would be Property Damage Liability Coverage.


Will your insurance company pay for the damages from hitting a deer if you have PLPD?

The only intitlement of monies will go to that deer, for the deer is someones property(state)and your insurance company may have to pay for its medical bills if it survived the accident, but nothing to you.


How is PLPD insurance different from no-fault or full coverage auto insurance?

PLPD stand for public Liability And Property Damage, it is simply liability insurance with regards to physical injury along with property damage, this specific pays off when you find yourself with car accident and also cover property damage one other parties accrues on account of the actual accident,No Fault Insurance insures 1st party statements: damage to your car and also losses because of virtually any accidental injuries to your personality, No-fault insurance policy enables you using with your car insurance company with no need to demonstrate that this other social gathering has been at faultFull Coverage Auto Insurance covers everything accidents, repairs, fuel, maintance, and even speedig tickets


If you were in an auto accident and have only PLPD coverage on your vehicle will repair costs be covered?

PLPD is also known as liability. If YOU hit someone else's car meaning that you are at fault, any repairs will come out of your own pocket because PLPD only covers damages for other vehicles. If you were not at fault it doesn't matter what coverage you have because their insurance carrier (if they have one) should pay for your vehicle damages.


Are tere more than one kind of pl and pd insurance for your car?

PLPD Insurance is personal liability and property damage insurance. This is an economical type of insurance where the insurance company will pay for repairs and damage done on another persons vehicle if you were found to be at fault in the car accident. There are different levels, or kinds, of this insurance.


Does plpd insurance cover the replacement cost of the other car if you hit someones car from behind and totaled it?

Property damage within your auto policy will cover any damage you may cause from an accident. Liability is for any medical attention they may need. PLPD INSURANCE IS STANDARD MINIMUM COVERAGE THAT PROTECTS YOUR VEHICLE IN THE CASE OF AN AT FAULT ACCIDENT, HENCE WHY IT IS MANDATORY. NO-FAULT LAWS ALLOW COVERAGE FROM YOUR OWN INSURANCE COMPANY TO COVER YOUR OWN VEHICLE. IF YOU WERE NOT AT FAULT IN AN ACCIDENT (SOUNDS LIKE YOU WERE IN THIS ONE) THERE WOULD BE COVERAGE FOR YOUR VEHICLE REPAIR/REPLACEMENT. THE OTHER DRIVER'S VEHICLE WILL BE COVERED UNDER THEIR OWN POLICY. YOUR POLICY WORKS FOR YOU ONLY. * Comprehensive pays for damage to your car from vandalism and Acts of God (hail, flood, falling trees, gravel thrown by traffic) and Collision pay for damages to your car when it collides with anything (another car, tree, road sign) if you are at fault. Personal Liability (PL) pays for injuries you cause and Property Damage (PD) pays for damage you cause to another person's property. If the other party is at fault, their insurance pays.


Does plpd cover a passanger window that has been broken by someone else?

Not sure what plpd coverage is..is it maybe personal liablity property damage? If so no, I don't think that would cover a window broken out. You would need comprehensive coverage for a vandal breaking out your window.


Why would a company carry PLPD insurance?

ANYBODY needs the mandatory coverage - protects the drivers in the case of at fault


Will PLPD cover vandalism to your car?

Not usually. That type of coverage is called "comprehensive", but even that doesn't cover everything. Depends on the type and extent of the damage.


Will your car be covered if you are involved in a hit and run and all you have on the car is PLPD and the car is a total loss?

No, you only have insurance to protect you against claims for damage you caused to others. If you can't afford to replace the car, keep the comprehensive and collision coverage.


Does PlPD insurance cover replacement costs of a power pole?

PIPD? Please advise if you mean PIP/PD... PD, being property damage to others would pay for damage to a power pole, but only to the limits within the policy.


When is the best time to switch to PLPD auto insurance?

PLPD stands for Public Liability and Property Damage. It satisfies your obligation to the state, and offers no coverage to your vehicle's damage. Usually when your car reaches 10 years old it is okay to switch to PLPD - by this time chances are that the collision premium will be close to what the "red book" or "blue book" value of the vehicle is. Some insurance companies do not offer collision coverage on vehicles that are 10 years or older and most require a mechanical inspection certificate (Please note this applies to auto insurance in Canada).