Which of the following best describes the losses indicated by split limits in an auto policy?

• A. Bodily injury per person, bodily injury per accident, and property damage per accident
• B. Medical payments per person, medical payments per accident, and property damage per accident
• C. Bodily injury per incident, property damage per incident, and death benefits
• D. Total policy limits for all claims across the policy period

Answer: (A)

Split limits describe three separate maximums that apply to one accident: bodily injury per person, bodily injury per accident, and property damage per accident. The bodily injury per person limit is the most that can be paid to any one injured individual. The bodily injury per accident limit is the total that can be paid for all bodily injuries resulting from that single crash. The property damage per accident limit is the maximum payable for damage to someone else’s property from that same incident. Medical payments coverage is a different type of limit, not part of the liability split limits, and there isn’t a separate “death benefits” limit in this framework. Also, these limits apply per accident, not as an aggregate for the whole policy period.