What does BIPD 25-50-25 and UM BI 20-40 mean on your auto insurance?

Answer

BIPD means bodily injury and property damage coverage (this is liability coverage; that for which you are legally liable in the event of an accident). 25/50/25 means coverage of $25,000 per person to a maximum of $50,000 per occurance for injury you may cause to persons, and $25,000 coverage for property damage (damage to the other car, fence, mailbox, etc.. anything other than a person). 20/40 UMBI means coverage for bodily injury to you and the occupants of your vehicle in the event you are injured by an uninsured driver, $20,000 per person and $40,000 maximum per occurance. If he is insured, his liability will cover this.

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