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Auto Insurance PL and PD Coverage

Auto Insurance PL and PD Coverage: This stands for Public Liability and Property Damage coverage. It was a term used in Michigan throughout the 1970s to refer to a “bare bones” policy. It meant essentially the same thing as a “liability only” policy, which provided bodily injury and property damage protection for other drivers and passengers, but not the policy owner. Today the meaning of PLPD is somewhat different. Michigan has become a “No-Fault” state and requires drivers to carry several types of personal injury protection coverages, in addition to bodily injury and property damage liability. When we refer to PLPD today, the term usually means that the driver has satisfied the state’s minimum insurance requirements for driving legally. This means that if the driver causes an accident, he or she has the means to pay for injuries or property damage caused by the collision.

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