What is PLPD?

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What is PLPD?

PLPD  stands for Personal Liability and Property Damage.  It basically means that your auto insurance policy contains only the coverage required by the law in Michigan.  In most cases if a person only has basic PLPD it means you don’t have collision or comprehensive coverage like collision, fire, theft or vandalism.  It also means that you have them minimum liability limits of $20,000/$40,000.  In Michigan motor vehicles are required by law to carry PLPD.  We advise not only that you get comprehensive coverage, adequate liability coverage and, adequate property damage coverage, but it very important that you also have Uninsured and Underinsured Motorist coverage (UM and UIM).  Please see those sections for more information.

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