| How many of you have sat down to get an auto | | | | up to $100,000 to pay for physical damage to the |
| insurance quote and quickly realized you don't know | | | | other vehicle or vehicles. |
| what you are looking at? Getting an auto insurance | | | | Uninsured motorist coverage basically works in |
| quote can be downright frustrating, but the following | | | | reverse of liability coverage in that if you are hit by |
| can help you through two major steps of the | | | | an uninsured motorist and it is their fault, the repairs |
| process! | | | | or medical bills are paid under your uninsured motorist |
| First off, what does BIPD stand for? When looking at | | | | coverage. However, there are some tricky aspects |
| your auto insurance policy BIPD is the area that deals | | | | of uninsured motorist coverage when it comes to |
| with the liability coverage to your vehicle, or, the | | | | your auto insurance quotes; here is how uninsured |
| coverage used to pay for the other party's damages | | | | motorist coverage breaks down. |
| when you are at-fault for an accident. BIPD stands | | | | (1) The first part of your uninsured motorist |
| for Bodily Injury and Property Damage liability and | | | | coverage on auto insurance quotes is just the same |
| here is how to read those three blocks you will be | | | | as BIPD except in reverse. In other words, if you |
| requested to fill out. | | | | have 100/300/100 in your uninsured motorist |
| (1) Auto insurance quotes online will make you select | | | | coverage then you have up to $100,000 to pay |
| the liability limits for your vehicle in three different | | | | medical bills to the passenger or driver in your vehicle. |
| boxes. The first box is for the property damage to | | | | This is, of course, if the uninsured motorist is |
| the individual in the other vehicle. In short, if you | | | | responsible for the accident. |
| have 100/300/100 BIPD coverage on your vehicle, | | | | (2) The next part of your uninsured motorist |
| you will have up to $100,000 to pay for injuries to | | | | coverage on auto insurance quotes is also the same |
| each individual in the other vehicle. | | | | as BIPD in reverse. For example, if you have 100/300 |
| (2) The second box of your auto insurance quotes | | | | 100 in your uninsured motorist coverage then you |
| online with respect to BIPD is for the total amount | | | | have up to $300,000 to pay medical bills to all of the |
| you can pay for injuries to passengers in the other | | | | passengers in your vehicle. |
| vehicle. For example, if you have 100/300/100 BIPD | | | | (3) The final third of uninsured motorist coverage is |
| on your vehicle, you will have up to $300,000 total to | | | | where it gets tricky with auto insurance quotes. |
| pay for injuries to the passengers in the other vehicle | | | | Why? Because depending on the state where you |
| or vehicles. | | | | live it may or may not be available at all! This would |
| (3) The final box of your auto insurance quotes online | | | | be the part of your quote that has to do with the |
| for BIPD is the total amount you can pay for physical | | | | property damage to your vehicle. Some states don't |
| damage to the other auto or autos in an accident | | | | offer uninsured motorist property damage coverage |
| that was your fault. To put it plainly, if you have 100 | | | | and some do. |
| 300/100 BIPD coverage on your vehicle, you will have | | | | |