Split Limit Liability Coverage

A standard split limit liability coverage is broken down as a 25/50/20 split. This means $25,000 medical bodily injury coverage per person, $50,000 bodily injury coverage for the entire accident and $20,000 total property damage limits.

Combined Single Limit Coverage

Combined single limit liability insurance is a set dollar amount that an insurance company will pay for both liability and property damage coverage. For example, 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.


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

Factors that may increase your risk of being sued include:

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

Do you need more information about liability limits? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

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