Liability Limits


Split Limit Liability Coverage

You can break down this type of coverage as a 25/50/20 split. In other words, $25,000 medical bodily injury coverage per person, $50,000 bodily injury coverage for the entire accident and $20,000 total property damage limits. Keep reading to learn even more about auto liability limit coverage.

Combined Single Limit Coverage

This is a set dollar amount that an insurance company will pay for both liability and property damage coverage. For instance, if you select a policy with $100,000 worth of coverage, you are protected up to $100,000 for the total accident, liability and property damage combined.

A single limit policy is usually more expensive than a split limit policy. People with no assets to protect may want a split limit coverage policy to avoid higher insurance premium rates.


Firstly, umbrella insurance is extra liability to protect you from claims that exceed your policy limits and lawsuits. This also protects against libel, vandalism, slander and invasion of privacy. So, this type of coverage is beneficial for people who have many assets or are at a higher risk for being sued.

For instance, factors that may increase your risk of being sued include:

  • Owning A significant amount of property
  • Owning a dog
  • Having a swimming pool
  • Reviewing products and businesses
  • Participating in events that may injure others

More Information

Have any questions regarding underinsured motorist coverage, bodily injury liability insurance, or insurance requirements? Our team is here to help with your car insurance coverage needs. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. Our offices are open from 8 a.m. to 9 p.m. CST, 7 days a week.

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Lastly, we also have blogs that may help you with any questions you have. Our blogs cover many different topics. From how to keep your car cool in the summer, to proper steps to take after Godzilla damages your car.

*Please review your own policy carefully for details on liability limits. Liability limits will vary by insurance company and policy.