What Does Combined Single Limit Mean In Auto Insurance? 
When a policy has a combined single limit , the companys liability to settle a lawsuit is limited to an absolute amount regardless of how many people or vehicles are involved . The split limit approach is common and breaks down company liability to losses that come from personal injury to individual liability and cumulative liability . For example , the policy might defend you in a lawsuit and pay damages up to $ 100,000 per person in an accident while limiting recover to $ 300,000 for an accident . The policy will also limit recovery on damage to someone elses car that is damaged by yours to $ 100,000 . Beyond those limits , whether split or combined single limits , you are personally responsible for a loss . 