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.

Where this term matters

Auto Insurance →Umbrella Insurance →

Tip

Glossary definitions are educational. Always check your own policy language — insurers can define common terms differently from one another. When in doubt, request a written explanation from your agent.

Related terms

Combined Single Limit (CSL)A single dollar cap covering both bodily injury and property damage liability in one combined amount.Bodily Injury Liability (BI)Auto liability coverage that pays for injuries you cause to other people in an at-fault accident.Property Damage Liability (PD)Auto liability coverage that pays for damage you cause to another person's vehicle or property.Liability CoverageCoverage that pays for bodily injury and property damage you cause to others — protects your assets.

Related guides

Source: Cover Forge USA editorial team|Last verified: May 2026|Methodology
Definitions are educational and may be simplified. Always refer to your policy contract and consult a licensed agent for terms that affect coverage decisions.
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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 June 2026

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