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PLPD Insurance Mt Pleasant MI

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Getting your driver’s license in Michigan doesn’t mean you can immediately get behind the wheel. 

The first thing you should do is get comprehensive PLPD insurance Mount Pleasant MI to protect yourself and your finances in case an accident happens.

To help you figure out the basics of auto insurance, we’ll discuss PLPD insurance coverage, regulations, and rates. 

In this article, you will also find the best insurance companies to trust in the area. But before anything else, learn about Mount Pleasant traffic and road conditions

PLPD car insurance in Mount Pleasant MI

According to, there are over 7.2 million licensed drivers in the state. 

Troubling traffic statistics were reported in the state:

While traffic accidents are down 22% from the previous year in 2020 (245,432 crashes), traffic fatalities hit a record high since 2007. This indicates more severe crashes in the state.

In 2020, 1,083 traffic fatalities were recorded in Michigan. This is a 10% increase from the previous year. This is troubling, especially since 18% fewer drivers were on the road due to COVID-19 restrictions.

On average, Michigan commuters will drive about 13 miles per day to get to work. This is higher than the national average of 11.8 miles.

Driving in Mount Pleasant, Union County

Mount Pleasant is an urban city located in Isabella County in Michigan. The city was reported to have approximately 23,500+ residents in 2020, making it the 49th largest city in Michigan.

According to report by the American Community Survey, almost 86% of workers in Isabella County commute alone by car to their workplace. Average commute time is about 14 minutes. Traffic is less than the national average commute time of about 26 minutes. 

However, about 75% of workers in Mount Pleasant commute alone by car. 38.6% of Mount Pleasant workers will commute to their job located outside Mount Pleasant. 

This impacts the number of traffic crashes that are likely to occur in the area. 

All Michigan drivers are required to get basic auto insurance coverage. Based on these statistics of average crashes, fatalities, and commute in there is all the more reason to get comprehensive PLPD car insurance Mt Pleasant MI.

What is Michigan PLPD?

Michigan PLPD stands for Personal Liability and Property Damage. This is the minimum amount of insurance coverage that is required by law.

All Mount Pleasant drivers are also required to purchase basic insurance coverage to get their license plate. Keep in mind that it is illegal to drive your car or let another person drive your car in Michigan without no-fault insurance.

No-fault PLPD insurance will allow the insured to get these benefits, regardless of who is at fault in an auto accident:

  • Have medical expenses paid for
  • Get wage loss benefits
  • Repair and replacement services
  • Cover damage to other people’sy property

PLPD does not cover repairs for the insured’s car.

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What does Michigan PLPD cover?

Basic No-Fault policy requires Michigan drivers to buy:

Personal Injury Protection or PIP

Under the no-fault policy, the insured will:

  • Have their medical expenses paid with no maximum limit
  • Be paid 85% of their wage loss (lost income limit is revised annually)
  • Get up to $20 in replacement services for routine household services

Property Protection Insurance or PPI

PLPD no-fault policy will pay up to $1 million if the insured’s car damages other people’s non-vehicular property.

This includes buildings, fences, and parked cars.

Residual Liability Insurance or Bodily Injury and Property Damage

Under the no-fault law, insured persons can be protected from being sued because of an auto accident.

However, there are some exceptions:

  • At fault and someone is “killed, seriously injured or permanently disfigured.”
  • Involved in an auto accident with a non-resident of Michigan, and the car is not registered in Michigan
  • Involved in a car accident in another state
  • If found 50% or more at fault in an accident, causing damage to another person’s car without insurance

If found legally responsible, your minimum coverage no-fault PLPF will cover the damages. While drivers can purchase higher insurance limits, the minimum coverage is:

  • Up to $20,000 per person injured or killed in an accident
  • Up to $40,000 per accident if multiple people are injured or killed
  • Up to $10,000 for property damage (in another state)

What isn't covered with PLPD?

Collision and Comprehensive Insurance 

Car repairs are not included in basic PLPD insurance in Mount Pleasant, MI.

Your no-fault insurance does not cover repairs to the insured’s car is damaged in an accident. The insured will get coverage, though, if the car is properly parked and damaged by another car.

Collision Insurance

This pays for repairs to your car when it is not damaged in a car crash. The three types of collision insurance are: limited, standard, and broad form.

Comprehensive Insurance

This insurance will cover the fees if your car is stolen or if it is damaged by:

  • Falling object
  • Animal collision
  • Fire, flood, vandals

If you own an old car, basic PLPD is a good enough option for you. However, if your car is financed, you may need to get collision and comprehensive coverage.

Limited Property Damage Liability Insurance or Mini Tort

A driver who is at least 50% at fault in an accident can be sued in damages to cover the cost of the other driver’s deductible. 

If an insured driver has mini-tort property damage coverage, your auto insurance agency will pay up to $3,000 for the damages.

Towing and Rental Car Coverage

Some insurance agencies offer this optional coverage as additional protection. It will cover or reimburse costs of towing and or rental car in case of a flat tire, accident, or car breakdown.

Now that you are familiar with PLPD coverage and limitations, the next step is to figure out the best insurance products for you.

Best PLPD insurance in Mt Pleasant MI

To get personalized insurance solutions, your best bet will be to trust independent insurance agencies. These agents work with multiple insurance companies so that clients can purchase policies that are truly suitable for their needs.

While it is possible to research individual insurance agencies and their products, what is great about independent insurance agents is that they can introduce you to products, claims, and discounts that will benefit you in the long run.

If you are looking for an easy and convenient way to find the best insurance rates in Mt. Pleasant, we recommend trusting an independent insurance agency, SWITCH Insurance group.

After 12+ years in the industry, SWITCH Insurance Group has served over 3,000 clients. 

SWITCH Insurance works with dozens of top-rated insurance companies in Michigan. With its expert team of 10 insurance professionals, all clients are guaranteed to get unique solutions for all their needs.

When it comes to car insurance, SWITCH Insurance offers several policy types, including optional policy riders:

  • PLPD Inc or liability coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Uninsured//Underinsured Motorist coverage
  • Medical Payments coverage
  • Personal Injury Insurance

To give you a truly unique and personalized insurance solution, SWITCH also offers several add-on options. This is because you do not want to settle for only the basic insurance requirements. To be prepared in any situation and to protect yourself and your finances, we recommend considering these options:

  • Roadside Assistance
  • Gap Coverage
  • Rental Car Reimbursement

The team will help you assess your potential future liability, the age of your vehicle, and driving history for your insurance coverage.

As an independent insurance agency, SWITCH insurance wants to make it easy for all clients to find the best rates and policies. This is why they launched their online insurance calculator.

Automatic Insurance Quote Comparison

The SWITCH online quote calculator was designed to find the most comprehensive coverage for you, considering the most affordable rates from the nation’s top insurance providers.

All you have to do is input your name, email, and zip code, and SWITCH will provide you with a comprehensive list of the best PLPD Insurance Mt Pleasant Michigan.

There are over 7 million registered drivers in Michigan. Unfortunately, the rate of road accidents and traffic fatalities is still alarming in the state.

With the majority of the workforce commuting by car, it is all the more important for Mount Pleasant, Michigan to find comprehensive insurance products. 

One of the best ways to get PLPD auto insurance in Michigan is to trust independent agency SWITCH Insurance. With their online auto comparison calculator, Mount Pleasant, Michigan drivers can get personalized PLPD insurance.

Call us 24/7 to speak live! (833) 975-2378


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