How is PLPD insurance different from no-fault or full coverage auto insurance?


First off, let us define the three:

PLPD insurance, or Public Liability and Property Damage insurance, is basically just liability insurance for bodily injury and property damage. This is the coverage that pays in case when you are found to be at found in an accident and need to pay for the injuries and property damage the other parties incurred as a result of the accident.

PLPD insurance is third party insurance - it won't pay for any damages on your car or for injuries you incur.

No-fault or full coverage auto insurance also covers first party claims - damage to your car and losses due to any injuries to you. No-fault insurance allows you to claim with your insurance company without the need to prove that the other party was at fault.

Full coverage insurance will also pay for damage to your car, even if you are the one at fault. Full coverage insurance basically includes collision insurance and comprehensive insurance. This will pay for damage due to collisions, as well as other covered causes such as theft, fire or vandalism.

The key difference is fault.

Basically, with PLPD, a lawsuit may be involved as the court will be the one who will determine who is at fault in the car accident. If you suffered from bodily injury or property damage as a result of another driver's fault, you can claim against his PLPD insurance.

The same goes if you were the one at fault - the other party can claim against your insurance. For full coverage, you can claim if you were the one at fault.

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