How Split Limits Divide Coverage

How Split Limits Divide Coverage

Select each plus icon to see what each part of a split limit covers.

Bodily Injury – Per Person

The maximum paid for one person’s injuries in a single accident.

Property Damage

The maximum paid for all damage to other people’s property in one crash.

Bodily Injury – Per Accident

The total paid for all injuries in one accident, no matter how many people are hurt.

25/50/25 Policy

Click to see how these limits work in a real situation.

Property Damage

• The third number covers repairs or replacements for vehicles or other property.
• With a 25/50/25 policy, your insurer will pay up to $25,000 total for property damage.

• The total limit for all injuries in one accident is $50,000.
• If three people are hurt, their combined payments cannot exceed that amount.

Per Accident

Imagine you cause a crash that injures two people and damages three cars.

• Person A’s bills: $30,000 → insurer pays $25,000
• Person B’s bills: $20,000 → insurer pays $20,000
• Property damage: $30,000 → insurer pays $25,000

Total paid: $70,000 Out of pocket: $5,000 (for extra property costs) 🛑 If medical bills or repairs exceed these limits, the driver pays the difference.

Example:

Per Person

• If your policy is 25/50/25, your insurer will pay up to $25,000 per injured person.
• If one person’s bills are $40,000, the insurer pays $25,000, and you owe the remaining $15,000.