Split Limits
Insurance Glossary
Auto liability limits written as three separate maximums: bodily injury per person, bodily injury per accident, and property damage per accident. They appear on a declarations page in a form such as 25/50/25, where the numbers stand for thousands of dollars. The per person figure caps what any one injured party can collect and the per accident figure caps everyone combined, so a crash with several injuries can reach the second number quickly.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
Related Articles
State Minimum Liability Limits and Why They May Not Be Enough
What a state minimum actually represents, how split limits work, and what happens financially when a claim exceeds the coverage you carry.
Read MoreUmbrella Insurance: Liability Coverage Above Your Limits
An umbrella policy adds liability protection above your auto and home limits. Here is how it attaches, what it adds, and what it will never pay for.
Read More