PLPD insurance in Michigan is coverage that pays for the other driver's medical treatment and property damage when you are at fault in an automobile accident. PLPD insurance does not reimburse you for your own medical expenses or damage to your own property.
PLPD is an abbreviation for “personal liability and property damage” and is more commonly known as liability insurance. It is the most basic form of car insurance and mandatory in almost every state. Although personal liability and property damage insurance is available nationwide, the term “PLPD” is most commonly used in Michigan.
In Michigan, drivers need a total of $20,000 in PLPD coverage per person, up to $40,000 per accident, along with $10,000 for potential property damage in another state. In addition to damage to the other driver’s car, the property damage portion of liability insurance covers repairs needed for other types of property damaged by your vehicle, including street signs, mailboxes, fences, buildings, etc.
State requirements tend to be modest, so it may be a good idea to purchase additional coverage. Whenever claims exceed a driver’s insurance coverage in Michigan, a court may require the driver to reimburse the victims out of his or her personal assets.
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