Jargon, Busted: Combined Single Limit vs. Split Limit

Understand the difference between combined single limit and split limit coverage.

We know insurance jargon can be difficult to understand, but it doesn’t have to be. In this video series, we’ve simplified some complex insurance terms that may come up as you make decisions about your auto coverage.

For example, combined single limit and split limit coverage have some key differences. Combined single limit coverage is the maximum dollar amount an insurer will pay for all claims resulting from one occurrence. On the other hand, split limit provides separate maximum dollar amounts an insurer will pay for bodily injury and property damage. The maximum for bodily injury is applied on both a per-person and per-occurrence basis, while for property damage, it’s only applied per occurrence.

Amica recognizes the importance of understanding your insurance coverage and policy benefits. If you have questions or need help with some insurance jargon, talk to an Amica representative. We’re here to help you have a great experience.