Final answer:
PIP and PDL insurance coverage differ in how they handle at-fault and not-at-fault accidents. PIP covers the policyholder's medical expenses and lost wages regardless of fault, while PDL covers the cost of repairing or replacing the other person's vehicle or property if the policyholder is at fault. If not at fault, the at-fault driver's insurance would typically cover the expenses.
Step-by-step explanation:
Pip insurance coverage is the abbreviation of personal injury protection which covers medical expenses and lost wages of the policyholder and passengers regardless of fault in an accident. PDL insurance coverage, or property damage liability, covers the cost of repairing or replacing the other person's vehicle or property if you are at fault in an accident. If you are not at fault, the at-fault driver's insurance would typically cover your medical expenses and vehicle repairs.
For example, let's say you are driving and you collide with another car. If you have pip insurance, your insurance will cover your medical expenses and lost wages, regardless of who is at fault. However, if you have pdl insurance, it will only cover the other driver's vehicle or property damages if you are at fault. So, the main difference is that pip insurance covers the policyholder's medical expenses and lost wages regardless of fault, while pdl insurance covers the cost of repairing or replacing the other person's vehicle or property when you are at fault. If you are not at fault, the at-fault driver's insurance would typically cover your expenses.