Split-limit car insurance policies present liability coverage by the following categories: Bodily injury per personBodily injury per accidentProperty damage per accidentFor example, in Ohio, the liability coverage limit is 25/50/25. This means insurance will cover up to the following: $25,000 for the other driver’s injuries $50,000 in total for the other driver’s injuries as well as any of their passengers$25,000 for damage to their vehicleA combined limit merges everything so you have one limit for bodily injury and property damage. You can divide a combined limit up in any way to cover bodily injury or property damage after an accident instead of having separate limits.