What is combined single limit (CSL) versus split limit coverage?

Liability policies provide different maximum dollar amounts that the insurer will pay for different components of a claim. This is called a split limit. A combined single limit policy states that the insurer will pay up to a certain dollar amount for the entire claim. It doesn’t matter whether all components of the claim are related to one person’s injuries, or whether there are multiple injured parties represented by the claim. The combined single limit is capped at the stated dollar amount either way for that claim.

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