Glossary term
Split limits
Split limits: Separate limits for BI per person, BI per accident and PD per accident—the common 25/50/25 format.
Where this term matters
Guides and entries on this site that use the term.
Guide
What Liability-Only Car Insurance Covers
Exactly what a liability-only policy pays for—bodily injury and property damage to others—and the list of things it never covers, including your own car.
Guide
Liability Insurance Minimums by State
Every state's minimum liability requirements and the extra coverages some states mandate—PIP, uninsured motorist, MedPay—in one reference table.
Guide
What Liability Limits to Choose
How to pick bodily injury and property damage limits: the state minimum vs 50/100/50 vs 100/300/100, what each protects, what each costs, and when an umbrella policy makes sense.
Entry
What Happens When an Auto Accident Exceeds Your Liability Limits?
Learn what happens when crash damages exceed your liability insurance limits, how personal liability works, and how to evaluate coverage options.