If you are an owner of a car, it is all most mandatory to buy car insurance. If you want coverage against accident damage and injury, you can buy insurance policy. Liability coverage is one such policy under which there is a provision of a fixed amount of dollar to meet the damage caused due to accident. Now let us give an example. In a car accident, suppose the driver damaged a telephone pole, the liability coverage here takes the responsibility of paying for the damage of the pole. Such liability coverage may of two types-liable coverage policies with a combined single limit and policies with split limit. However both policies are useful .Now we shall discuss both the combined single limit policy and split limit policy separately, so that you can get proper understanding of the subject.

The word combine of the combined single limit policy is self-expressive. Under such policy both the body injury coverage and property damage liability coverage combined together to set a single limit. If you are a driver having such single limit coverage and strike another vehicle or car and injured the driver or passenger, then your insurance company will pay the injury claim of both the driver and passenger. As we have discussed earlier that there is a second variety of liability coverage, which we can say split limit. Under split limit, the liability policy divides the coverage into tow section- one part covers the damage caused to property and the other part covers the physical injury. If you were a novice, in this filed it would be very difficult for you to decipher the significance of each term. If you were unable to understand, it would better for you to take the help of some professional.