PL is Personal Liability or Public Liability and PD is Property Damage Liability.
Each state can have a different meaning for the term PL/PD. For example, in Florida PIP/PD is Personal Injury Protection and Property Damage Liability. Typically, a state requires Bodily Injury Liability and Property Damage Liability. This can sometimes be called PL/PD, BI/PD, basic coverage, state required and/or minimum insurance.
There are more factors that should go into your decision to purchase physical damage coverage on your 98 Hyunadai Accent or to increase your coverage beyond PL/PD to include Uninsured Motorist, Medical Payments, Towing and/or Rental Car Reimbursement.
Free Auto Insurance Quotes
The main factor to look at is:
- Your Car
- The value of the vehicle is the first item to look at. When you purchase physical damage coverage you are paying a premium and a deductible in case of an accident. If paying that premium and/or deductible is more than the value of the vehicle it would be smarter to save that money instead of putting it into insurance premiums.
- Is the vehicle leased or financed? If so, the lien holder will require you to carry insurance to cover their asset (the car).
[Let CarInsurance.com help you find affordable auto insurance now.] With our site you can compare a quote with and without physical damage insurance, very easily. | 
