Many auto insurance policies use the split limits approach, which combines the per person and the per occurrence approach. With split limits, three separate dollar amounts apply to each accident.

• The first limit is a per person limit: the maximum amount that will be paid to any one injured person.
• The second limit is a per occurrence limit: the maximum amount that will be paid to all injured persons.
• The third limit is a per occurrence limit that applies to property damage claims; this is the maximum amount that the insurer will pay for damage to other cars or property resulting from the accident.