Split Limits Coverage

Updated: 11 March 2024

What Does Split Limits Coverage Mean?

Split limits coverage is a set of limits on payments for auto insurance claims that is split into different categories. It specifies limits for three specific types of claim: bodily injury per person, bodily injury per accident, and property damage per accident.

Insuranceopedia Explains Split Limits Coverage

To better understand split limits coverage, it's helpful to know its opposite: single limit coverage. With single limit coverage, no matter the reason for the claim (be it property damage or bodily injury), the insurer pays a specified amount of money. For instance, if the insured has a coverage of $100,000, then they get that amount as maximum coverage no matter the type of injury or damage caused by the accident.

With split limits coverage, on the other hand, the coverage will be different for each coverable case (bodily injury per person, bodily injury per accident, and property damage). The limit is stipulated in the policy. If the policy is worth $100,000 but specifies that the insured can get only $50,000 for every instance of bodily injury in an accident, then that is the only amount they will receive from the insurer, despite the fact that the full worth of the policy is double that figure.

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