If someone hits your car and you have pl-pd insurance will their insurance cover your car if they were totally at fault?

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.