If you are in an accident and only have PLPD can you sue the person who was at fault if they refuse to pay the rest of your damages?

Answer 1

Absolutely. But winning a lawsuit and collecting are two different matters. Lots of people who win their suits, don't see a dime. And are out filing and court fees as well as their original losses.

If you're asking about Michigan PLPD insurance the answer is probably no. Michigan is a no fault state and your own insurance covers you no matter who is At Fault. If you only had PLPD you accepted the risk that you might have damage to your vehicle that you would pay for. If you have damage to your person, your own insurance company will pay for your medical bills. If you have damage to personal property you might have to try to file a claim with your home owner's insurance.

actually, as a matter of fact you may be entitled to more:

I'm Michigan the most you can recover is 500 dollars from the at-fault driver. since you have plpd and not comp or full you won't get any money from your insurance company for repairs.

however, you can hold a lawsuit against the guy at fault under whats called the "mini tort provision" i guess which means you can can take them to a small claims court or municipal court and try to get the remainder of the repairs... in your case the blue book value of the car.

your going to have to get a hold of your insurance agent to see how to go through with all this though...

To expand on the above answer, if you are talking about Michigan, the mini tort provision is how you recover up to $500 from the at-fault driver, you can't recover more than $500. This means, if you have compelling evidence that the other driver was more than 50% at fault, you can sue him for UP TO $500 in damages. If you have more than $500 in damages, and no collision insurance (i.e. not just plpd), there is no way to recover those additional repair costs.