You can purchase auto liability limits that combine bodily injury and property damage into one limit (Single), or list each individually (Split). The advantage of “Single” limits, is you never know whether your next accident will involve more injured people or more damaged property. If the limits are “Split”, then you have a specific limit for each. I’ve listed an example below:
| Single Limits | Split Limits |
| $300,000 Bodily Injury/Property Damage | $100,000 Per Person Bodily Injury |
| $300,000 Per Accident Bodily Injury | |
| $50,000 Per Accident Property Damage |
Let’s say the accident injured two people and two vehicles. Person #1 had $150,000 in injuries, person #2 $50,000. Car #1 $30,000 in damage, car #2 $25,000. With Single limits all injuries/damages would be fully covered. With Split limits, person #1 would be $50,000 short in having their costs covered, and the policy would have run out of money ($5,000) for property damage to the two vehicles once the $50,000 in coverage was exhausted.
