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


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Wiki User
2007-07-07 09:02:10
2007-07-07 09:02:10

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.

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Anybody involved in an accident. Damages are covered regardless of fault.

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Damages to other's vehicles, property, or persons in an accident where you were found at fault. In "no fault states" each person's policy covers the other's damages without requiring determination of fault.

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If you are involved in an accident that is not your fault you can sue on several grounds. Damages to the vehicle if you owned it. Medical bills if injured, pain and suffering, lost wages, etc.

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Liability insurance pays for someone else's damages if an accident is your fault but won't cover your vehicle. Full coverage provides liability insurance as above but will also cover your damages to your own vehicle in an accident regardless of whose at fault, as well as theft, fire, etc.

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Various state laws may limit what type of damages you can collect. Also, when you do start to shop for a policy your rates will be higher. In a no-fault state, each driver must seek compensation from their own insurer and your ability to sue for damages is limited.


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