Table of Contents
- What is PLPD insurance?
- FAQs about PLPD insurance:
- 1. What does PLPD insurance cover?
- 2. Is PLPD insurance the same as liability insurance?
- 3. Why would someone choose PLPD insurance?
- 4. Is PLPD insurance cheaper than full coverage insurance?
- 5. Is PLPD insurance required by law?
- 6. Can I add comprehensive or collision coverage to my PLPD insurance?
- 7. Can PLPD insurance cover uninsured or underinsured motorists?
- 8. Does PLPD insurance cover towing or rental car expenses?
- 9. Can I get PLPD insurance for a leased or financed vehicle?
- 10. Does PLPD insurance cover me if I am driving someone else’s vehicle?
- 11. Can I choose my coverage limits with PLPD insurance?
- 12. Can PLPD insurance protect me in a lawsuit?
What is PLPD insurance?
**PLPD insurance stands for Public Liability and Property Damage insurance. It is a type of auto insurance that only covers the minimum requirements set by the state for liability insurance. This means that it provides coverage for the other party’s medical bills and property damage if you cause an accident, but does not cover your own vehicle damage or injuries.**
FAQs about PLPD insurance:
1. What does PLPD insurance cover?
PLPD insurance covers the other party’s medical expenses and property damage if you are at fault in an accident. It does not cover your own vehicle damage or injuries.
2. Is PLPD insurance the same as liability insurance?
Yes, PLPD insurance is a type of liability insurance that only covers public liability and property damage.
3. Why would someone choose PLPD insurance?
People may choose PLPD insurance if they have an older or less valuable vehicle and want to save money on their insurance premiums.
4. Is PLPD insurance cheaper than full coverage insurance?
Yes, PLPD insurance is usually cheaper than full coverage insurance because it provides less coverage.
5. Is PLPD insurance required by law?
Yes, most states require drivers to have a minimum amount of liability insurance, which can be met with PLPD insurance.
6. Can I add comprehensive or collision coverage to my PLPD insurance?
No, PLPD insurance only covers public liability and property damage. To add coverage for your own vehicle, you would need to purchase comprehensive or collision coverage.
7. Can PLPD insurance cover uninsured or underinsured motorists?
No, PLPD insurance does not cover uninsured or underinsured motorists. You would need to purchase separate coverage for that.
8. Does PLPD insurance cover towing or rental car expenses?
No, PLPD insurance does not cover towing or rental car expenses. Those would need to be covered by a separate policy or added as endorsements to your existing policy.
9. Can I get PLPD insurance for a leased or financed vehicle?
Some lease or finance companies may require you to have full coverage insurance on the vehicle. PLPD insurance may not be sufficient in those cases.
10. Does PLPD insurance cover me if I am driving someone else’s vehicle?
PLPD insurance typically covers the driver rather than the vehicle, so it may provide coverage if you are driving someone else’s vehicle with their permission.
11. Can I choose my coverage limits with PLPD insurance?
Yes, you can usually choose your coverage limits with PLPD insurance, but they must meet the state’s minimum requirements for liability insurance.
12. Can PLPD insurance protect me in a lawsuit?
PLPD insurance can provide coverage for legal fees and court costs if you are sued for causing an accident. However, it may not provide enough coverage in some cases, so it’s important to consider higher limits or additional coverage options.
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