Joyce,

Liability insurance has split limits, i.e. 10/20/10.  UM can be any amount equal or lower than the liability on the policy.  In this question the UM coverage is 25/50 so we can assume the liability coverage on the policy is at least 25/50/25.   PIP has a basic limit of $10,000. PIP limits are shown as asingle dollar amount - not as split limts.

Jan