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What is Public Liability and Property Damage (PLPD) Coverage?

We understand that the language – and even the names of the coverages – in your car insurance policies are confusing. Many of our clients and friends ask us, “What exactly does PLPD mean?”

PLPD is not a legal term. It stands for Public Liability and Property Damage, but it essentially means that a person does not have collision coverage.

PLPD does not denote dollar values of individual insurance coverages. However, for states that have mandatory insurance laws, there are certain minimums required of each type of coverage.

Here’s information about the three types of car insurance coverages that are mandatory under Michigan law.

Here’s information about optional collision coverages for car damage.

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