No. PL & PD cover injury and damage you do to other persons and their property. Collision and Comprehensive cover your vehicle.
Yes it does.
you only need pl and pd on a used car and full coverage on a new car
"Full Coverage" usually means you have enough coverage to fix your car and their car regardless of who is at fault. PI and PD only fixes their car and your injuries.
Yes.
Yes. eg: If you have pl/pd, the insurance won't pay for repairs for YOUR car if it is you fault, but they will pay the repairs for the other car There's the big problem of having only the required liability insurance. If you do not have comprehensive and collision, you may have to sue the at-fault driver to force his insurance carrier pay. If you have coverage of your own, you can file a claim with your agent and immediately collect the damages (less your deductible) and your company will sue his if necessary. If and when they win or receive a settlement, you will get your deductible back.
That means that you have liability coverage only, which does not cover your damages. If the other driver is uninsured, the only option left is, to take him to court and sue him for your damages.
no, but the PD should be covered by comprehensive
If you have insurance call your agent.
PIPD? Please advise if you mean PIP/PD... PD, being property damage to others would pay for damage to a power pole, but only to the limits within the policy.
PLPD is public liability and property damage. Property damage provides insurance cover against damage caused by you to the other person's vehicle or building, etc. Public liability insurance covers the occupants of both your and the other vehicle usually to a maximum of $250,000. Note that PL&PD does not cover your vehicle nor you as the driver.
PD insurance is Property Damage Insurance mostly used in the commercial areas of transportation.