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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. An auto coverage needs calculator is built and awaiting release; it will use household assets and income to suggest whether current limits leave a gap.
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