Auto Insurance
Split Limit
An auto liability structure with separate caps for per-person BI, per-accident BI, and property damage.
Last reviewed: May 2026 · Editorial methodology
Definition
A split-limit policy expresses auto liability coverage as three numbers — for example, 100/300/100 — representing $100,000 per injured person, $300,000 total per accident for all bodily injuries, and $100,000 for property damage. It is the most common personal auto liability format in the United States. The per-person cap is the binding constraint in accidents with a single severely injured victim; even if the per-accident limit is high, a single claimant can only collect up to the per-person amount. Many states set minimum split limits far too low, such as 15/30/10 in California, making higher voluntary limits essential.
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Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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