What's the difference between PLPD insurance different and no-fault or full coverage auto insurance?
asked Feb 17 '12 at 03:02
Definitions: PLPD insurance, or Public Liability and Property Damage insurance, is basically just liability insurance for bodily injury and property damage. This coverage pays in case when you are found to be at found in an accident and need to pay for the injuries and property damage the other parties incurred as a result of the accident.
PLPD insurance is third party insurance - it won't pay for any damages on your car or for injuries you incur.
No-fault or full coverage auto insurance also covers first party claims: damage to your car and losses due to any injuries to you. No-fault insurance allows you to claim with your insurance company without the need to prove that the other party was at fault.
Full coverage insurance will also pay for damage to your car, even if you are the one at fault. Full coverage insurance basically includes collision insurance and comprehensive insurance. This will pay for damage due to collisions, as well as other covered causes such as theft, fire or vandalism.
The key difference is fault.
Basically, with PLPD, a lawsuit may be involved as the court will will determine who is at fault in the car accident. If you suffered from bodily injury or property damage as a result of another driver's fault, you can claim against his PLPD insurance. The same goes if you were the one at fault. For full coverage, you can claim if you were the one at fault.
This answer is marked "community wiki".
answered Feb 17 '12 at 03:02
PLPD Insurance Coverage
PLPD a type of insurance coverage that affects two things – injuries caused to a person, and damage caused to property.
Personal liability falls under a Section A claim, meaning that it provides compensation for bodily injuries. If a person with PLPD coverage causes an accident in which you are injured, you can file a claim against the “PL” part of that person’s insurance.
After that accident it’s likely that your car was damaged, and you can file a claim against the at-fault driver’s insurance to have it repaired or replaced.
answered Aug 24 '12 at 23:39