What is PLPD insurance coverage?

PLPD stands for “Personal Liability & Property Damage”. It’s a type of insurance coverage that affects two things – injuries caused to a person, and damage caused to property (like a vehicle).

Personal Liability

Personal liability falls under a Section A claim, meaning that it provides compensation for bodily injuries. If a person with PLPD coverage causes an accident in which you are injured, you can file a claim against the “PL” part of that person’s insurance.

Property Damage

After that accident it’s likely that your car was damaged, and you can file a claim against the at-fault driver’s insurance to have it repaired or replaced.