This means that your liability coverage is divided into three separate limits: bodily injury per person, bodily injury per accident, and property damage per accident.

The first number in a split limit coverage policy is the bodily injury per person limit. This is the maximum amount of money that your insurance company will pay for the injuries of one person in an accident. For example, if your policy has a bodily injury per person limit of $100,000, and you injure one person in an accident, your insurance company will pay up to $100,000 for their medical expenses, lost wages, and pain and suffering.

The second number in a split limit coverage policy is the bodily injury per accident limit. This is the maximum amount of money that your insurance company will pay for the injuries of all people in an accident. For example, if your policy has a bodily injury per accident limit of $300,000, and you injure two people in an accident, your insurance company will pay up to $300,000 for their combined medical expenses, lost wages, and pain and suffering.

The third number in a split limit coverage policy is the property damage per accident limit. This is the maximum amount of money that your insurance company will pay for the damage to property in an accident. For example, if your policy has a property damage per accident limit of $50,000, and you damage someone else’s car in an accident, your insurance company will pay up to $50,000 for the damage to their car.

It’s important to understand split limit coverage so that you know how much coverage you have in the event of an accident. If you’re not sure how much coverage you need, you should talk to your insurance agent.

Here are some additional things to keep in mind about split limit coverage in SC:

• The minimum liability coverage in SC is 25/50/25. This means that you must have at least $25,000 of bodily injury per person coverage, $50,000 of bodily injury per accident coverage, and $25,000 of property damage per accident coverage.
• You can choose to have higher liability limits than the minimum.
• If you have more than one car, you’ll need to have separate split limit coverage for each car.
• If you have a loan on your car, your lender may require you to have certain levels of liability coverage.

By understanding split limit coverage, you can make sure that you have the right amount of insurance to protect yourself in the event of an accident.

Here are some additional tips for understanding split limit coverage:

• Read your policy carefully. Make sure you understand the terms and conditions of your policy, including the split limit coverage.
• Ask questions. If you don’t understand something, don’t be afraid to ask your insurance agent.
• Review your policy regularly. Your needs may change over time, so it’s important to review your policy regularly to make sure it still meets your needs.

By following these tips, you can understand split limit coverage and make sure that you have the right amount of insurance to protect yourself.