In Michigan, personal liability and property damage (PLPD) insurance is the bare minimum. When you need help getting your insurance company to cooperate after you’ve been injured, contact a Detroit PLPD insurance attorney.
In 2016 alone, Michigan saw more than 300,000 car crashes. If you’ve been involved in a car accident, you probably have a lot of questions about what comes next. How will you get to work or drop off your kids at school? How long will your recovery take? How will this affect your finances? When will things go back to normal?
You might also have questions about what exactly your insurance covers. Many victims are confused about personal liability and property damage (PLPD) insurance—what it is, what it covers, and what to do if you need more compensation than PLPD provides.
A Detroit PLPD insurance lawyer with Christensen Law can help you sort through the picky details and fight for the highest possible compensation you can receive.
What Is PLPD Insurance?
First, some background. PLPD is the bare minimum auto insurance required by Michigan law. Liability coverage for PLPD insurance is $20,000 per person and $40,000 per crash, as well as $10,000 in property damage coverage.
PLPD does not include collision or comprehensive coverage. That means that, if your vehicle is damaged by something other than a collision, such as vandalism or hail, you won’t be covered. It also won’t cover a rental car or additional mini-tort coverage (also called limited property damage coverage) beyond $1,000.
Finally, PLPD will not cover you if you were hit by an uninsured or underinsured motorist or a driver whose coverage had insufficient liability limits.
Basically, the PLPD policy goes into effect only if you are at fault in an auto accident; it does nothing to protect you if you are hurt by another driver and will not cover repairs to your automobile. Fortunately, a qualified PLPD insurance lawyer in Detroit can fight for any additional compensation you need, even when you carry the minimum insurance coverage the law requires.
The High Cost of an Accident
The aftermath of a car accident can bring a litany of unexpected expenses. If you’ve recently been involved in a crash, you might be dealing with costs like the following:
- Medical bills, including medication, physical therapy services, and ongoing care
- Household replacement services, such as childcare or help with daily chores
- Repair or replacement of your vehicle
- Lost wages from work and lost potential earnings if the accident severely injured you
Your Detroit accident insurance lawyer will know the ins and outs of Michigan accident law and how to make sure you’re covered after your crash.
Get Help from a Detroit PLPD Insurance Attorney
Navigating the consequences of an auto accident by yourself can be overwhelming and disheartening, especially if your insurance policy is not as comprehensive as it could be.
Fortunately, help is available. When you contact a Detroit PLPD insurance lawyer at Christensen Law, you’ll get qualified help in your pursuit of compensation. Call (313) 217-3000 or complete the form at the bottom of this page to schedule your free consultation.