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 your 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. This type of coverage is beneficial for people who have many assets or are at a higher risk of 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.
  • Taking part in events that may injure others.

More Information

Have any questions regarding underinsured motorist coverage, bodily injury liability insurance, or insurance requirements? Our team of insurance agents and customer service representatives are here to help with your car insurance coverage needs. Call us today at 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.

We can help you find an insurance quote right on our website. Because we want to help you save money wherever possible, we offer our insurance quotes completely free of charge. By navigating our website, you can also inform yourself about many useful topics. 

These include the state minimum and maximum amount of coverage required for boat owners in the United States. Also, you can discover which situations will result in an insurer paying for medical expenses. You can even learn how to obtain coverage for bodily injury limits, property damage liability, and medical bills.

We also have a strong presence on social media. Like or follow Insurance Navy on your preferred social media platform–Twitter, Facebook, Instagram, and even YouTube. We’ll keep you updated on how a single accident can affect your insurance costs, exciting local news and much more.

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.