Auto insurance
Split liability limits express auto liability coverage as three numbers, such as 100/300/100: the most paid for bodily injury to one person, for all bodily injury in one accident, and for property damage, in thousands of dollars. They contrast with a combined single limit that applies one amount to the whole accident.
State minimum limits are set low, and a driver carrying the minimum can be personally exposed after a serious accident. Explaining what each number pays, using a realistic injury scenario, is one of the most effective ways to move a client to higher limits.
Split limits also matter for umbrellas, since carriers typically require minimum underlying auto limits. The auto insurance coverage calculator does this math with the prospect's own numbers. it will use household assets and income to suggest whether current limits leave a gap.
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