What Does PLPD Insurance Cover in Michigan

In Michigan, PLPD insurance covers you in the event of a car accident, regardless of who's at fault. This coverage is mandatory for all drivers in the state.

If you're involved in a car accident, PLPD insurance will help pay for medical expenses, lost wages, and other related costs. These costs can add up quickly, so having this insurance is essential.

PLPD insurance in Michigan also covers damage to your vehicle, including repairs and replacement. This can be a significant expense, especially if your car is totaled.

The minimum liability limits for PLPD insurance in Michigan are $20,000 for bodily injury per person, $40,000 for bodily injury per accident, and $10,000 for property damage.

In Michigan, PLPD insurance covers a range of damages, including personal liability and property damage.

Personal liability coverage pays up to $20,000 for a person injured or killed in an accident, and up to $40,000 for each accident if multiple people are injured or killed.

Property damage coverage pays up to $10,000 for damage to property in another state.

If you're found at-fault for someone's injuries or property damage in an automobile accident, PLPD insurance provides financial protection.

Here's a breakdown of the coverage limits for PLPD insurance in Michigan:

Mini-tort coverage, also known as Limited Property Damage, is an additional option that covers damages up to a certain limit.

Michigan PLPD insurance is a must-have for car owners in the state. It provides financial protection in case you're found at-fault for someone's injuries or property damage during an automobile accident.

PLPD stands for Personal Liability and Property Damage, which covers two distinct categories of coverage: personal liability and property damage. In Michigan, this is translated into the basic no-fault policy.

Here's a breakdown of the personal liability component of PLPD insurance in Michigan:

+ Up to $20,000 for a person who is injured or killed in an accident

+ Up to $40,000 for each accident if several people are injured or killed

Personal liability insurance, also known as bodily injury coverage, covers the medical bills of the other driver and their passengers, as well as their lost wages due to injury. It's usually called "bodily injury" coverage.

In Michigan, the minimum amount of personal liability insurance a motorist must purchase varies by state, but the most common minimums are $25,000 and $50,000.

Collision coverage is not part of PLPD insurance coverage in Michigan. It pays to repair the insured's car or truck if it was damaged in a car accident.

Comprehensive coverage is also not part of PLPD insurance coverage. It pays to repair car or truck damage caused by something other than a collision with another car, such as fire, theft, vandalism, hail or flooding.

Uninsured/Underinsured Motorist coverage is not part of PLPD insurance coverage in Michigan. It protects you in the event you're in a crash caused by a driver who was uninsured or by a driver who was covered by a policy with inadequate liability limits.

Mini-Tort coverage is part of PLPD insurance coverage, but it only pays up to $1,000 (or $3,000 after July 1, 2020) of the cost to repair the damage to the other vehicle.

Here are some types of collision coverage:

Personal liability insurance covers medical costs for the victim of an accident, including medical bills, lost wages, and damages for pain and suffering. This type of insurance is usually called "bodily injury" coverage.

The minimum amount of personal liability insurance a motorist must purchase varies by state, but in Michigan, it's typically $25,000 per person and $50,000 per accident.

Personal liability insurance only kicks in when there's been a car accident that you caused, and the other driver will file a claim with your insurance company.

Property damage insurance, on the other hand, covers the physical damage to other objects caused by your vehicle, such as damage to another car, government property, or personal property like street lamps or landscaping.

If you're at fault for an accident, property damage insurance will cover the costs up to your policy limits, which can range from $5,000 to $25,000, depending on the state.

Here's a breakdown of what's typically covered in personal liability insurance:

Note that PLPD insurance does not cover things like hail damage, falling trees, vandalism, and theft.

PLPD insurance is a type of auto insurance that covers damages to others in the event of an accident. It's required by law in Michigan and most other states.

PLPD insurance covers two main things: personal liability and property damage. Personal liability insurance covers medical costs for the other driver and their passengers, as well as their lost wages due to injury. Property damage insurance covers the physical damage to other objects caused by your vehicle.

In Michigan, the minimum required amount of personal liability insurance is $20,000 per person and $40,000 per accident. Property damage insurance is capped at $10,000.

Here are the key components of PLPD insurance:

If you're at fault for an accident, your PLPD insurance will kick in to cover the damages. The coverage limits are usually written as two numbers, such as 25/50, which means the insurance will cover up to $25,000 per person and $50,000 per accident.