Split limits
Auto liability limits shown as separate amounts per person, per accident, and for property damage.
Plain definition
Split limits appear on declarations pages as three numbers—such as 100/300/50—meaning bodily injury per person, bodily injury per accident, and property damage per accident. Once a bucket is full, no more liability payment comes from that bucket even if other buckets have room.
Why it matters
One severely injured person can exhaust the per-person limit while other injured parties still compete for the per-accident cap.
Example
Limits 50/100/25: one person’s $75,000 injury may receive only $50,000 from BI; PD pays only up to $25,000 for all vehicles you damage in that crash.
Common misunderstanding
The middle number is not “per person times headcount.” It is the total BI pool for one accident.
Policy language always controls. This is educational content, not advice. See our disclaimer.