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What is PLPD Insurance?

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By Erin Thompson on March 31, 2021 in Insurance Basics

There are so many terms thrown around in the insurance world and we know “PLPD car insurance” might not be on your radar until you need it. We’re here to explain this in a digestible way, because car insurance shouldn’t be filled with jargon our own drivers aren’t familiar with!

What is PLPD Insurance?

The big question! Let’s cover what both elements of the acronym stand for first:

  • PL: Personal Liability (more commonly known as Bodily Injury)
  • PD: Property Damage

You might’ve heard this coverage thrown around under the name “Liability car insurance” because the two phrases mean the same thing. This coverage helps cover injuries and damages you may cause to others and their property in a covered accident. The “PL” helps covers medical bills, lost wages, and other out-of-pocket expenses associated with the covered injury, up to your purchased limits. The “PD” helps cover repairs or replacement costs for their vehicles and property damaged in the covered accident, up to your purchased limits.

It’s important to note that Liability or PLPD insurance is just to help protect you and your wallet from the claims of others, and it doesn’t include coverage for any injuries or property you or your vehicle sustain.

How to get PLPD Insurance?

Luckily, PLPD car insurance is required in almost every state – just not New Hampshire. The minimum liability limits vary by state and offered limits vary by car insurance company.

At Say, we combine the PL and PD of PLPD insurance into our Liability Coverage. So, when you’re scoping out that final page of the quote where it lists your selected coverages, look for that name!

PLPD Coverage Limits

You’ll see PLPD limits shown as three numbers separated by slashes. The numbers represent the limits for Bodily Injury per person, Bodily Injury per occurrence, and Property Damage per occurrence, respectively.

Here are all 6 of our Say states and their minimum limits.

  • Colorado $25,000/$50,000/$25,000
  • Kansas $25,000/$50,000/$25,000
  • Illinois $25,000/$50,000/$25,000
  • Indiana $25,000/$50,000/$25,000
  • Missouri $25,000/$50,000/$25,000
  • Tennessee $25,000/$50,000/$25,000


The cost of your PLPD will depend on your chosen coverage. Although you can choose the minimum required coverage, you can also add additional coverage to protect yourself in certain situations.

Best course of action, get a quote to see the specific cost for the necessary coverage for your state.


So, that’s the scoop on PLPD car insurance. Basically, it’s a funky fresh acronym for Liability Coverage and includes both Personal Liability (or Bodily Injury) and Property Damage. It’s important to note this is the coverage for the cost of damage you caused to other people and their property in at-fault accidents.

Erin Thompson is the Marketing Manager for Say Insurance. She's responsible for guiding the strategic direction of all Say marketing campaigns. Prior to joining Say, Erin worked for a media agency based in Columbia, MO. She spent several years developing successful advertising campaigns for a diverse set of clients across the United States. Erin began her career in television advertising after earning her Master’s from the University of Missouri Journalism School with an emphasis in Strategic Communication. Her love of communication and helping people directed her to the insurance world.