We are independent & ad-supported. We may earn a commission for purchases made through our links.
Advertiser Disclosure
Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.
How We Make Money
We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently of our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.

What Is a Combined Single Limit?

Jim B.
Updated Feb 25, 2024
Our promise to you
WiseGeek is dedicated to creating trustworthy, high-quality content that always prioritizes transparency, integrity, and inclusivity above all else. Our ensure that our content creation and review process includes rigorous fact-checking, evidence-based, and continual updates to ensure accuracy and reliability.

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

Editorial Standards

At WiseGeek, we are committed to creating content that you can trust. Our editorial process is designed to ensure that every piece of content we publish is accurate, reliable, and informative.

Our team of experienced writers and editors follows a strict set of guidelines to ensure the highest quality content. We conduct thorough research, fact-check all information, and rely on credible sources to back up our claims. Our content is reviewed by subject-matter experts to ensure accuracy and clarity.

We believe in transparency and maintain editorial independence from our advertisers. Our team does not receive direct compensation from advertisers, allowing us to create unbiased content that prioritizes your interests.

Combined single limit is a type of automobile insurance policy which allows car-owners the ability to cover all damages incurred in an accident under one policy limit. This differs from split limit insurance, which assigns individual limits on the amount of damages covered for each person injured in an accident and the property damage caused by the accident. With a combined single limit policy, the person who is insured may be able to better cover the costs of an accident if they are weighted heavily toward one aspect. Any costs that go over the combined limit must be paid out of pocket by the policy-holder.

When a driver gets into a car accident and is considered to be at fault, he must pay the damages incurred from any injuries suffered by passengers in the other car along with the costs of repairing the other vehicle. These costs can be prohibitive and are the reason that all drivers should have an effective insurance policy. Some drivers may seek out a combined single limit policy to cover their losses in a more flexible manner than traditional split limit policies.

To understand how a combined single limit policy is effective, it is useful to imagine an example where a split limit policy would come up short. A typical split limit policy might provide coverage of 50/100/10. This means that the policy holder has limits of $50,000 US Dollars for each person injured in an accident, $100,000 USD for all persons injured in the accident, and $10,000 USD for any property damage suffered by the other vehicle.

The policy holder proceeds to cause an accident which causes $20,000 USD of damage, in terms of medical expenses, to the driver of the other car along with $60,000 USD of damage to a passenger of the car. In addition, the other car, worth $18,000, is totaled in the accident. Using the split limits, the policy-holder would have to pay the passenger $10,000 USD out of pocket to make up for the difference between the $60,000 USD and the $50,000 USD single-person limit. On top of that, the policy-holder would be liable for the $8,000 USD difference between the $18,000 USD property damage and the $10,000 USD property damage limit. That makes for a total of $18,000 that must be paid out of pocket.

By contrast, the corresponding combined single limit policy would provide $100,000 USD of coverage to cover any damages caused by the accident. The total amount of damage, adding up all of the personal and property damage, is $98,000 USD, which means that the person with the combined single limit policy of $100,000 USD would be completely covered. Such flexibility in allocating coverage to where it is most required is the most favorable feature of a combined limit policy.

WiseGeek is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.
Jim B.
By Jim B.
Freelance writer - Jim Beviglia has made a name for himself by writing for national publications and creating his own successful blog. His passion led to a popular book series, which has gained the attention of fans worldwide. With a background in journalism, Beviglia brings his love for storytelling to his writing career where he engages readers with his unique insights.
Discussion Comments
Jim B.
Jim B.
Freelance writer - Jim Beviglia has made a name for himself by writing for national publications and creating his own...
Learn more
WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.

WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.