Auto Insurance Quotes Online Kansas City Missouri MO

Reader’s Question:

I’m hoping to become a real driver just like my folks at home in Kansas City Missouri MO at the end of my learner’s permit period, and I’m trying to read about auto insurance. I came across UM BI 20-40, also BIPD 25-50-25. What do this letters and numbers mean?

Les

Kansas City, MO

Good move, Les! Let me teach you a few basics of auto insurance.

It provides protection for you and me and others from financial woes when an auto accident happens. It brings relief if your car is mangled by a hurricane, is stolen, or gets vandalized. And remember this — it is a social responsibility. Uninsured people who still drive and can’t pay for damages they might inflect bring financial disaster to the rest of the community in Kansas City Missouri MO.

For this reason all drivers in practically all states are required to carry a liability auto insurance policy, of which there are six types of coverage: bodily injury (BI), property damage (PD), personal injury protection (PIP) or medical payment, collision, comprehensive, and uninsured/under insured motorist (UM/UIM) coverage.

BIPD stands for bodily injury and property damage. 25/50/25 refers to $25,000 coverage per person up to $50,000 maximum per occurrence for personal injury you may cause, and $25,000 property damage coverage when you hit things instead of people. 20/40 UMBI is for bodily injury liability of $20,000 per person up to $40,000 maximum per occurrence to you and your passengers if you’re injured by an uninsured motorist in Kansas City Missouri MO,

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