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If you have PLPD and are involved in an accident does their insurance cover your car?

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2005-10-23 04:21:16
2005-10-23 04:21:16

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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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.

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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.

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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

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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.

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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.


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