What Is PLPD Insurance and What Does It Cover?

PLPD stands for Personal Liability and Property Damage insurance—a basic, liability-only auto insurance policy that meets Illinois’ legal minimum requirements. It covers injuries and damage you cause to others in an accident but does not pay for repairs to your… Read More ›

Liability car insurance is legally required in Illinois and most other states—but many drivers don’t fully understand what it actually covers. In short, liability insurance pays for damage or injuries you cause to others in an accident, not your own… Read More ›

Yes—car insurance covers vandalism if you have comprehensive coverage. This includes damage like keyed paint, smashed windows, slashed tires, or graffiti. If you only carry liability or collision coverage, vandalism isn’t covered and you’ll pay for repairs yourself.

To file a… Read More ›

Traffic violations almost always lead to higher car insurance premiums. Even a minor ticket can increase your rates, while serious offenses—like DUIs or hit-and-runs—can double them. In Illinois, multiple violations may also trigger license suspensions and require high-risk insurance filings… Read More ›