What Is the Difference Between Split Limit Liability Coverage and Single Limit Liability Coverage?

Split limit liability is what you would typically see on a personal auto policy. The options are typically:

30/60/25

50/100/50

100/300/100

250/500/250

In these scenarios, the first number represents the limit for bodily injury per person. The second number is a per accident limit for bodily injury and the third is a per accident limit for property damage.

In a single limit policy (usually only available in a business auto policy) there is one cumulative limit to cover any injury or damage occurring from a covered accident.

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