Not sure what plpd coverage is..is 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.
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.
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.
ANYBODY needs the mandatory coverage - protects the drivers in the case of at fault
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.
i was charged 110 dollars for changing my full coveage to plpd
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.
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).
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
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.
No, only "comprehensive" coverage would pay for that. Liabiility AKA PLPD AKA property damage and liability ONLY covers other vehicles you may damage in a crash YOU have caused.
This would be covered under the "comprehensive" portion of a full coverage policy. PLPD aka liability would not cover such damage.
Where I live PLPD (Public Liability and Public Damage) are the first type The second is known as comprehesive or colision
What does Plpd mean?
Yes, but proof will be necessary - determining fault. Some insurers like to mess with your head and question the "fault" and deny coverage. Get it in writing - possibly by the at-fault driver or YOUR insurance company. Here in Canada, even if you only have PLPD, if the accident is not your fault you are covered for repair, minus the deductible.
PlPD = public liability, property damage, meaning your policy will cover medical and some property damage to a vehicle or property you may have an infraction with
No, if your car burns, is stolen, or is destroyed by vandalism, you won't receive a cent in Michigan with PLPD. Even in an accident you won't receive anything, your PLPD will only pay other people for damage you cause to them, it won't pay you a dime, that's why it's cheap.
No because PLPD a.k.a. liability only covers other vehicles in case you have an at-fault crash. Hail damage is covered under the comrprehensive portion of a full coverage policy.
No, you only have insurance to protect you against claims for damage you caused to others. If you can't afford to replace the car, keep the comprehensive and collision coverage.
You must have comprehensive coverage in order to recover on a claim from your insurance company if your vehicle is stolen. Liability only is just that, liability for your legal liability for damage or injuries to others.
Nope, PLPD aka liability only covers other vehicles for accidents which you may be at fault for. Comprehensive insurance would take care of an incident such as this.
Public Liability and Property Damage insurance. Bascially liability insurance.
I have PLPD insurance and was in an accident that was the other driver's fault. The lady's insurance paid for the damages, around $3000 which was the blue book retail value of the car, and they paid for a rental car for a short period. Since I had PLPD insurance, I had to pay for extra insurance on my rental vehicle, $12 a day extra, that their insurance would not cover and came out of my own pocket.