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Full coverage is more Expensive that PLPD because with full coverage anything that happens to your car they will pay for yours and the other persons car but with PLPD they only pay for the other persons car.

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โˆ™ 2006-02-04 14:26:00
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Q: What is the difference in price of PLPD as compared to full coverage per year?
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How old should a truck be when it is logical to drop from full coverage to only having PLPD coverage?


Does plpd cover a passanger window that has been broken by someone else?

Not sure what plpd coverage it maybe personal liablity property damage? If so no, I don't think that would cover a window broken out. You would need comprehensive coverage for a vandal breaking out your window.

If you have an accident with your husband's vehicle which has only PLPD insurance can he make a claim against the full coverage on your vehicle?

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.

If you were in an auto accident and have only PLPD coverage on your vehicle will repair costs be covered?

PLPD is also known as liability. If YOU hit someone else's car meaning that you are at fault, any repairs will come out of your own pocket because PLPD only covers damages for other vehicles. If you were not at fault it doesn't matter what coverage you have because their insurance carrier (if they have one) should pay for your vehicle damages.

Why would a company carry PLPD insurance?

ANYBODY needs the mandatory coverage - protects the drivers in the case of at fault

Does your plpd insurance cover the damages to a car that you hit?

I am assuming that you are making up some abbreviation by using the plpd. The part of the policy that would pay for the damages to the car you hit if it was your fault would be Property Damage Liability Coverage.

Can you be charged for down grading your auto coverage from full coveage to pldp?

i was charged 110 dollars for changing my full coveage to plpd

Will PLPD cover vandalism to your car?

Not usually. That type of coverage is called "comprehensive", but even that doesn't cover everything. Depends on the type and extent of the damage.

What are the 2 main categories of automobile insurance coverage?

Where I live PLPD (Public Liability and Public Damage) are the first type The second is known as comprehesive or colision

Is it legal for your insurance company to deny a loss for a car that was totaled?

It would depend on why the car was totaled and who's fault the accident was and what time of insurance do you have PLPD or Full Coverage

When is the best time to switch to PLPD auto insurance?

PLPD stands for Public Liability and Property Damage. It satisfies your obligation to the state, and offers no coverage to your vehicle's damage. Usually when your car reaches 10 years old it is okay to switch to PLPD - by this time chances are that the collision premium will be close to what the "red book" or "blue book" value of the vehicle is. Some insurance companies do not offer collision coverage on vehicles that are 10 years or older and most require a mechanical inspection certificate (Please note this applies to auto insurance in Canada).

If something hits your car during a windstorm who is responsible?

This would be covered under the "comprehensive" portion of a full coverage policy. PLPD aka liability would not cover such damage.

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