If you are referring to a clause in your own car insurance policy then you would need to read through the terms of your policy as well as speak to your agent about the coverages you have on your vehicle. However with only PLPD normally you car is not covered in any way.

Your basic Michigan no-fault policy does not pay to repair or replace your car if it is damaged. Therefore, if you want to have your vehicle covered if it is damaged or stolen you must purchase collision and comprehensive coverage.

Collision coverage pays to repair or replace your vehicle if it is damaged in an accident and is available with our without a deductible. Comprehensive coverage pays if your car is stolen, collides with an animal or is accidentally damaged by falling objects, fire, flood, or vandalism. You can purchase both of these coverages with deductibles in an effort to reduce the cost of your insurance.

Without having these physical damage coverages on your vehicle and since the other party was uninsured, likely you option to get monetary compensation for your totaled vehicle is to sue the at fault party. Normally if they would have had PLPD their property protection (PPI) portion of their insurance since your car was properly parked.

The state of Michigan's insurance regulator notes that if you are uninsured you may be held personally liable for all damages that result from an accident while uninsured, including your own. So this means that at fault party will be the one that needs to compensate you if you are without insurance coverages on your vehicle in which to make a claim.

To determine if there are any other options available to you in this situation you can contact the Office of Financial and Insurance Services (OFIS), the insurance regulatory body for Michigan, toll free at 877-999-6442.