What Does PLPD Car Insurance Cover? 
PLPD stands for Public Liability and Property Damage . This means that if you are in an accident and injure someone else the company will pay up to the limits of the coverage to those individuals that are injured . If you strike another car and damage the car , the Property Damage portion will pay to the owner of the other car , or house , or whatever else you might hit , to the limits of the policy for the loss incurred . If possible carry the highest limits for this coverage that you can afford . 