{"id":56503,"date":"2025-04-10T14:38:25","date_gmt":"2025-04-10T21:38:25","guid":{"rendered":"https:\/\/getjerry.com\/?post_type=car-insurance&#038;p=56503"},"modified":"2025-12-02T12:44:11","modified_gmt":"2025-12-02T20:44:11","slug":"what-is-a-combined-single-limit","status":"publish","type":"car-insurance","link":"https:\/\/jerry.ai\/car-insurance\/what-is-a-combined-single-limit\/","title":{"rendered":"Combined Single Limit (CSL) Car Insurance: What It Is and Who Needs It"},"content":{"rendered":"\n<p>Combined single limit liability insurance gives you <strong>one total amount <\/strong>of coverage for both injuries and property damage you cause in an <strong>at-fault accident<\/strong>. Instead of separate limits for each type (called split limits), you get one pool of money that can be used wherever it\u2019s needed most.<\/p>\n\n\n\n<p class=\"wp-block-jerry-live-text-wrapper\">\n  \nJerry has helped <span style=\"font-style:normal;font-weight:700;\" class=\"wp-block-jerry-live-text\">1,157,675<\/span> <strong>drivers<\/strong> compare liability coverage options in the past year. Among those who chose a <strong>combined single limit (CSL)<\/strong>, <strong>96% selected a $500,000 limit.<\/strong> Monthly quotes ranged from <strong>$118 to $535<\/strong>, depending on coverage limits.\n<\/p>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1828\" height=\"2560\" class=\"wp-block-cover__image-background wp-image-49111 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-scaled.jpg\" style=\"object-position:59% 73%\" data-object-fit=\"cover\" data-object-position=\"59% 73%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-scaled.jpg 1828w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-214x300.jpg 214w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-731x1024.jpg 731w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-768x1075.jpg 768w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-1097x1536.jpg 1097w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-1463x2048.jpg 1463w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-900x1260.jpg 900w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-400x560.jpg 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-40x56.jpg 40w, https:\/\/jerry.ai\/wp-content\/uploads\/2024\/11\/Car-driving-179x250.jpg 179w\" sizes=\"auto, (max-width: 1828px) 100vw, 1828px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-c861c09bfe2c0a1b0d66db8aa59bdf2e\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>Jerry pulls up to 20 quotes from top rated carriers.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<p>Drivers can structure their <a href=\"\/car-insurance\/what-is-liability-car-insurance-and-what-does-it-cover\/\">liability insurance<\/a> in one of two ways:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Split limits<\/strong> is most common and divides your coverage into three separate coverages: <a href=\"\/car-insurance\/bodily-injury-liability\/\">bodily injury<\/a> per person, bodily injury per accident and <a href=\"\/car-insurance\/property-damage-liability-car-insurance\/\">property damage<\/a> per accident. You&#8217;ll see this written as 25\/50\/25 or 100\/300\/100, where the numbers indicate the maximum limit for each coverage.<\/li>\n\n\n\n<li><strong>Combined single limit (CSL)<\/strong> coverage combines all three liability limits into one total amount, usually $100,000, $300,000, $500,000, or $1 million. Your insurer pays for covered injuries or property damage in any combination until that limit is reached.<\/li>\n<\/ul>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> <strong>A combined single limit shines when one part of a claim is much larger than the others<\/strong>. For example, if you total a $60,000 vehicle but cause only minor injuries, a split-limit policy with a $25,000 property cap leaves you exposed. A $100,000 CSL policy covers the full vehicle repair without asking which bucket the money comes from.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-button-primary\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes with Jerry<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Do you need a combined single limit?<\/h2>\n\n\n\n<p>\u00a0A CSL\u00a0works best for drivers looking for broad protection and flexibility from their car insurance policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Consider if you:<\/h3>\n\n\n\n<ul class=\"wp-block-jerry-custom-bullet-list m-0 list-none\"><li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-check mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p>Drive frequently in <strong>dense traffic<\/strong> or during <strong>rush hours<\/strong> where multi-vehicle accidents are more likely.<\/p>\n<\/div>\n<\/li>\n\n\n<li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-check mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p>Live or commute in areas with <strong>expensive vehicles<\/strong> (luxury SUVs, electric cars, high-end trucks.)<\/p>\n<\/div>\n<\/li>\n\n\n<li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-check mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p><strong>Carry passengers regularly<\/strong>\u2014carpools, rideshare driving, or teens with friends.<\/p>\n<\/div>\n<\/li>\n\n\n<li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-check mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p>Own a <strong>home<\/strong> or have <strong>significant savings<\/strong> a lawsuit could target.<\/p>\n<\/div>\n<\/li>\n\n\n<li class=\"flex flex-row wp-block-jerry-custom-bullet-list-item\">\n  <span class=\"iconify text-primary i--circle-check mr-4 mt-1 shrink-0\"><\/span>\n  \n<div class=\"flex-1 *:my-0\">\n<p>Own a <strong>home<\/strong> or have <strong>significant savings<\/strong> a lawsuit could target.<\/p>\n<\/div>\n<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-jerry-pink-header-bg-rounded\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>You may want it if you:<\/strong><\/th><th><strong>Consider split limits if you:<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Currently carry state-minimum or low split limits and want <strong>stronger protection<\/strong> without juggling three numbers.<\/td><td>You drive rarely in <strong>low-traffic rural areas<\/strong>.<\/td><\/tr><tr><td>Live in a state with <strong>high medical costs<\/strong> or <strong>litigation rates<\/strong>.<\/td><td>You&#8217;re happy with your current liability split limits.<\/td><\/tr><tr><td>Plan to layer <strong>umbrella insurance<\/strong> on top and want a clean, robust foundation.<\/td><td>You&#8217;ve compared quotes and the CSL premium stretches your budget beyond the added flexibility benefit.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<p><strong>Learn more: <\/strong><a href=\"\/car-insurance\/car-insurance\/how-much-car-insurance-do-i-need\/\">How much car insurance do I need?<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator aligncenter has-alpha-channel-opacity is-style-separator-jerry-default-fw\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Get a CSL policy with Jerry<\/h2>\n\n\n\n<p>When you shop for car insurance, compare CSL and split-limit quotes to see how each structure affects your total price. Jerry shows you rates from <strong>50+ carriers side-by-side<\/strong> so you can see exactly what each insurer charges for your chosen CSL amount.<\/p>\n\n\n\n<p>Once you&#8217;ve found the right balance of protection and price, Jerry handles the paperwork, coordinates your start date to avoid any coverage gap and can help cancel your old policy for you.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/signup\">Skip the hassle. Jerry finds competitive quotes in minutes.<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">CSL vs. split liability limits: A real-world example<\/h2>\n\n\n\n<div class=\"wp-block-group is-layout-grid wp-container-core-group-is-layout-d9e42b50 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\">\ud83d\ude97 <strong>Scenario:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">You cause a crash that results in <strong>$70,000 in medical bills<\/strong> and <strong>$50,000 in vehicle damage<\/strong>.<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">Total claim cost: <strong>$130,000<\/strong>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>What&#8217;s covered with a combined single liability limit of $300,000:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">\u2705 Your policy has <strong>one limit of $300,000<\/strong> that covers everything in the $130,000 claim, including all injuries and property damage.<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">\ud83d\ude4c <strong>You owe $0 out of pocket.<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p style=\"font-size:clamp(15.747px, 0.984rem + ((1vw - 3.2px) * 0.645), 24px);line-height:1\"><strong>What&#8217;s covered with split limits of 100\/300\/50:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-19e250f3 wp-block-group-is-layout-constrained\">\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">\u2705 Your auto policy covers <strong>$100,000 for injuries<\/strong> and <strong>$50,000 for property damage.<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">\u274c But the vehicle damage was $60,000, so your property limit falls $10,000 short.<\/p>\n\n\n\n<p class=\"has-small-font-size\" style=\"line-height:1.4\">\u26a0\ufe0f <strong>You owe $10,000 out of pocket.&nbsp;<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> <strong>Split liability limits can leave you exposed when one category maxes out,<\/strong> even if your other limits have room. CSL covers the total claim as long as it stays under your single limit.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">How a CSL works with umbrella insurance<\/h2>\n\n\n\n<p><strong>CSL is your primary auto liability limit.<\/strong> It pays first when you cause a car accident.<\/p>\n\n\n\n<p><a href=\"\/home-insurance\/umbrella-insurance\/\"><strong>Umbrella insurance<\/strong><\/a><strong> is excess liability coverage<\/strong> that kicks in <em>after<\/em> your auto policy limit is exhausted. If you carry a $500,000 CSL and cause a $1.2 million claim, your umbrella covers the remaining costs, up to your umbrella policy\u2019s limit.<\/p>\n\n\n\n<div class=\"wp-block-group has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:1.5rem;background-color:#f5f5f5;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--40)\">\n<p><strong>Consider pairing a CSL with an umbrella policy if:<\/strong><\/p>\n\n\n\n<p>\ud83c\udfe0 You <strong>own a home<\/strong> or have significant assets (like savings, investments and rental properties) a lawsuit could target.<\/p>\n\n\n\n<p>\ud83d\ude97 You have <a href=\"\/car-insurance\/car-insurance-for-teens\/\"><strong>teen drivers<\/strong><\/a> or other high-risk household members.<\/p>\n\n\n\n<p>\ud83d\udcb0 You want <strong>$1\u20135 million in total liability protection<\/strong> at a lower combined cost than maxing out your auto policy alone.<\/p>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-check-border text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Jerry recommends:<\/strong> <strong>Get an umbrella policy if you need auto liability limits higher than $1 million. <\/strong>Umbrella policies cost roughly $X \u2013 $X per year for the first $1 million, which is often cheaper than increasing your auto liability limits. Plus, an umbrella policy covers you across multiple other insurance policies, including <a href=\"\/home-insurance\/\">home<\/a>, auto, boat and more.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What a combined single limit does and doesn\u2019t cover<\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-table-jerry-pros-and-cons\"><table class=\"has-fixed-layout\"><thead><tr><th>Covered<\/th><th>Not Covered<\/th><\/tr><\/thead><tbody><tr><td><strong>Bodily injury you cause to others<\/strong>.<\/td><td>Your own injuries.<\/td><\/tr><tr><td><strong>Property damage you cause<\/strong> to other vehicles, buildings, or structures<\/td><td>Damage to your own vehicle.<\/td><\/tr><tr><td><strong>Legal defense costs<\/strong> if you&#8217;re sued after an at-fault accident<\/td><td>Damage you cause intentionally.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-jerry-highlight-point-paragraph flex flex-row items-center gap-2.5 rounded-lg p-6 has-gray-pink-background-color has-background\"><span class=\"iconify i--shield-thumb-up text-primary rotate-0 text-base mt-0.5 shrink-0 self-start\"><\/span><div class=\"jerry-block-content grow text-sm\">\n<p><strong>Key takeaway:<\/strong> CSL is for <em>liability<\/em> insurance. It pays for others\u2019 injuries and property damage when you&#8217;re at fault in a car accident. For your own vehicle damage, you need <a href=\"\/car-insurance\/collision-insurance\/\"><strong>collision<\/strong><\/a><strong> and <\/strong><a href=\"\/car-insurance\/comprehensive-insurance\/\"><strong>comprehensive coverage<\/strong><\/a>. For your own injuries, you need <a href=\"\/car-insurance\/what-is-medical-payments-coverage\/\"><strong>medical payments coverage<\/strong><\/a><strong> or <\/strong><a href=\"\/car-insurance\/personal-injury-protection-insurance\/\"><strong>personal injury protection<\/strong><\/a><strong> (PIP)<\/strong>, depending on your state.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"max-md:mx-full-bleed wp-block-jerry-full-bleed\">\n  \n<div>\n<div class=\"wp-block-cover is-style-md-rounded-3xl has-aspect-ratio\" style=\"padding-right:var(--wp--preset--spacing--40);padding-left:var(--wp--preset--spacing--40);min-height:160px;aspect-ratio:5\/2;min-height:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"620\" height=\"414\" class=\"wp-block-cover__image-background wp-image-67864 size-full\" alt=\"\" src=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png\" style=\"object-position:51% 71%\" data-object-fit=\"cover\" data-object-position=\"51% 71%\" srcset=\"https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3.png 620w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-300x200.png 300w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-400x267.png 400w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-84x56.png 84w, https:\/\/jerry.ai\/wp-content\/uploads\/2025\/10\/lifestyle3-374x250.png 374w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" fetchpriority=\"low\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-40 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-2adf0f3b3da763c637f1a27c4a8fb322\" style=\"font-size:clamp(17.371px, 1.086rem + ((1vw - 3.2px) * 0.752), 27px);\"><strong>It only takes 2 minutes to sign up at Jerry.<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-system-sans-serif-font-family has-medium-font-size has-custom-font-size wp-element-button\" href=\"\/signup\">Compare quotes<\/a><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"!mbs-12 !mbe-12 wp-block-jerry-faqs\">\n  <!-- Title -->\n    <h2 class=\"medium-title text-black mb-1.5 pt-12 uppercase\">\n    faq  <\/h2>\n  \n  <!-- Accordion -->\n  \n<div class=\"max-w-screen-lg my-6 [&amp;_li:last-child]:border-b-0\">\n<ul class=\"wp-block-jerry-accordion\">\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\udccb Is a combined single limit the same as full coverage?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>No. &#8220;Full coverage&#8221; is a nickname for <strong>liability + collision + comprehensive<\/strong>. CSL is one way to structure your <em>liability<\/em> limits. You still choose collision and comprehensive separately.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\udd04 Can I switch from split limits to CSL mid-policy?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Yes. Call your insurer or use the Jerry app to adjust your liability structure. Some carriers apply the change <strong>immediately<\/strong>; others wait until your next renewal.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83c\udfe0\u00a0 <strong>What CSL amount should I carry if I own a home?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Jerry recommends at least <strong>$300,000- &#8211; $500,000 CSL<\/strong> if you own a home, plus a $1 &#8211; $2 million umbrella policy. This protects your equity from a major lawsuit.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\udeab Does CSL cover me if I&#8217;m hit by an uninsured driver?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>No. CSL is liability coverage; it only pays for damage <em>you<\/em> cause. If an uninsured driver hits you, your <a href=\"\/car-insurance\/uninsured-motorist-coverage\/\"><strong>uninsured\/underinsured motorist<\/strong><\/a><strong> (UM\/UIM) coverage<\/strong> pays for your injuries and repairs.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \u23f1\ufe0f <strong>How quickly does CSL coverage start after I buy it?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Most policies take effect <strong>within 24 hours<\/strong>, or at your chosen start date. Jerry coordinates your new policy start date with your old policy cancellation so you avoid an <a href=\"\/car-insurance\/insurance-lapse\/\">insurance lapse<\/a>.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\u2602\ufe0f Do I need CSL if I already have umbrella insurance?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Umbrella carriers usually <em>require<\/em> a <strong>minimum underlying auto liability limit<\/strong>, often $250,000 or $300,000. CSL makes that requirement simple to meet with one clean number.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        \ud83d\udcb0 <strong>Is CSL more expensive in high-cost-of-living states?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Yes. States with <strong>expensive medical care, high vehicle repair costs, and active litigation<\/strong> (<a href=\"\/car-insurance\/california\/\">California<\/a>, <a href=\"\/car-insurance\/new-york\/\">New York<\/a>, <a href=\"\/car-insurance\/florida\/\">Florida<\/a>, <a href=\"\/car-insurance\/massachusetts\">Massachusetts<\/a>) charge higher premiums for all liability coverage, including CSL.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n\n\n\n<li class=\"font-circular flex cursor-pointer list-none flex-col items-start gap-1 border-b border-zinc-200 py-6 text-lg text-slate-500 md:flex-row md:gap-5 wp-block-jerry-accordion-item\" data-wp-interactive=\"accordion-item\" data-wp-init=\"callbacks.onInit\">\n  <!-- Accessory -->\n  \n  <div class=\"flex flex-1 flex-col text-gray-600\">\n    <div class=\"flex flex-row items-start justify-between gap-4\">\n      <!-- Title -->\n      <span class=\"accordion-q align-middle text-black font-medium\">\n        <strong>\ud83d\udea8 Can I get CSL if I have a DUI or SR-22 requirement?<\/strong>      <\/span>\n\n      <!-- Icon -->\n      <span class=\"accordion-i text-black font-medium mr-4 mt-1 shrink-0 align-middle transition iconify i--chevron-down\"><\/span>\n    <\/div>\n\n    <!-- Content -->\n    \n<div class=\"jerry-block-content accordion-a mt-5 hidden\">\n<p>Yes. High-risk drivers can still buy CSL, but <strong>premiums will be higher<\/strong> due to your record. Jerry helps you compare <a href=\"\/car-insurance\/sr-22-insurance\/\">SR-22<\/a> carriers and find the best rates available to you.<\/p>\n<\/div>\n  <\/div>\n<\/li>\n<\/ul>\n<\/div>\n\n  <!-- Contact link -->\n  <\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.<\/p>\n\n\n\n<div class=\"wp-block-jerry-meet-experts\" data-wp-interactive=\"jerry\/meet-experts\" data-wp-context=\"{&quot;modalVisible&quot;:false}\">\n  <div class=\"font-circular text-2xl font-extrabold text-slate-900\">Expert-driven. Built for you.<\/div>\n\n  <div class=\"my-3\">\n    <div class=\"flex justify-between items-center py-3 border-b border-neutral-200 cursor-pointer font-semibold text-gray-900\" data-wp-on-async--click=\"actions.toggleModal\">\n  <button class=\"text-left text-base\" type=\"button\">\n    Why you can count on Jerry&#8217;s articles  <\/button>\n\n  <div class=\"transition data-[visible=true]:md:rotate-180 text-xs iconify i--chevron-down text-gray-500\" data-wp-bind--data-visible=\"context.modalVisible\"><\/div>\n<\/div>\n<div class=\"modal-backdrop fixed bottom-0 left-0 right-0 top-0 z-50 overflow-hidden overscroll-contain bg-black\/70 font-body transition-transform delay-100 duration-0 md:relative md:z-auto [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:bg-black\/0 [&amp;:not([data-visible=true])]:md:hidden\" data-wp-init=\"callbacks.onModalInit\" data-wp-on-async--click=\"actions.hideModal\" data-wp-bind--data-visible=\"context.modalVisible\">\n  <div class=\"modal-view fixed bottom-0 left-0 right-0 flex max-h-[75%] w-full flex-col rounded-t-3xl bg-white pb-7 pl-7 pt-3.5 transition md:relative md:rounded-none md:pl-0 md:transition-none [&amp;:not([data-visible=true])]:translate-y-full [&amp;:not([data-visible=true])]:md:hidden\" data-wp-bind--data-visible=\"context.modalVisible\">\n    <div class=\"modal-header md:hidden flex justify-between items-center pb-1 mb-1 border-b border-zinc-200\">\n      <div class=\"modal-title text-base font-semibold\">Summary<\/div>\n\n      <div\n        class=\"modal-close-btn wp-block-group w-11 h-11 mr-2.5 content-center text-center\"\n        data-wp-on-async--click=\"actions.hideModal\"\n      >\n        <div class=\"iconify i--close text-gray-500 cursor-pointer\"><\/div>\n      <\/div>\n    <\/div>\n\n    <div class=\"modal-body pr-7 overflow-y-auto\"><div class=\"wp-block-template-part\"><div class=\"flex flex-row items-center gap-2.5 rounded-lg bg-gray-pink px-4 py-5\">\n  <span class=\"iconify mt-0.5 shrink-0 self-start text-xs text-primary i--shield-check\"><\/span>\n\n  <div>\n    <div class=\"font-body text-xs font-bold text-primary\">Our goal is clear, trustworthy information.<\/div>\n    <div class=\"mt-1 font-body text-xs text-gray-600\">\n      Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and\n      experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept\n      current, and our editorial team is separate from our business partners, so our opinions &#038; tips are unbiased. All\n      insights drawn from Jerry\u2019s proprietary, aggregated customer auto insurance quotes data provide unique, real-world\n      guidance.\n    <\/div>\n  <\/div>\n<\/div>\n<\/div><\/div>\n  <\/div>\n<\/div>\n  <\/div>\n\n  <div class=\"text-base font-semibold text-gray-900\">Our experts<\/div>\n\n  <div class=\"my-8 flex flex-col gap-8 items-center justify-center\">\n          <div\n        class=\"meet-experts-item group relative flex h-auto w-full flex-none flex-col justify-between overflow-hidden rounded-3xl py-9 text-sm shadow-variant-card\"\n        data-expand=\"false\"\n        data-wp-init=\"callbacks.onItemInit\"\n      >\n        <div class=\"grid h-full w-full grid-cols-1 overflow-hidden px-8 md:grid-cols-4\">\n          <img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"250\" src=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png\" class=\"size-16 rounded-full md:size-32 col-span-1 md:ml-4\" alt=\"meet-experts-thumbnail\" srcset=\"\/wp-content\/uploads\/2025\/02\/Ben-Moore.png 250w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-150x150.png 150w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-56x56.png 56w, \/wp-content\/uploads\/2025\/02\/Ben-Moore-120x120.png 120w\" sizes=\"auto, (max-width: 346px) 260px, (max-width: 576px) 432px, (max-width: 720px) 540px, (min-width: 720px) 250px, 100vw\" fetchpriority=\"low\"\/>\n          <div class=\"col-span-3\">\n            <div class=\"my-4 flex-1 content-center font-circular text-lg font-medium text-slate-900 md:mt-0\">\n              Ben Moore            <\/div>\n\n            \n            <div class=\"text-slate-500 mt-2 leading-6\">\n              <p>Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet&rsquo;s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.<\/p>\n<p>Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela&rsquo;s, H&amp;R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.<\/p>            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"absolute hidden group-data-[expand=true]:flex bottom-0 w-full h-24 bg-gradient-to-t from-white from-30% to-transparent to-100% items-end justify-center\">\n          <div\n            class=\"flex cursor-pointer flex-row items-center gap-2 my-4 font-circular text-primary\"\n            data-wp-on-async--click=\"actions.onItemExpandClick\"\n          >\n            <span class=\"text-sm\">See more<\/span>\n            <span class=\"iconify i--chevron-down text-xs\"><\/span>\n          <\/div>\n        <\/div>\n      <\/div>\n      <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Combined single limits in insurance have both pros and cons. These policy types may be beneficial for the right type of customers. <\/p>\n","protected":false},"author":19,"featured_media":71674,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-single-car-insurance-beta","meta":{"jerry_authors":"[{\"id\":\"372\",\"type\":\"main-author\"},{\"id\":\"366\",\"type\":\"editor\"},{\"id\":\"187\",\"type\":\"reviewer\"}]","jerry_author_ids":[372],"jerry_idx_page_label":"","jerry_meta_desc":"Our guide to combined single limits in insurance explains how they work, how they differ from split-limit policies, and whether this type of auto coverage is right for you.","jerry_related_posts":"[29332,56135,25113,22482,21445]","jerry_summary":"","inline_featured_image":false,"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[],"tags":[31],"class_list":["post-56503","car-insurance","type-car-insurance","status-publish","has-post-thumbnail","hentry","tag-car-insurance"],"_links":{"self":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/56503","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance"}],"about":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/types\/car-insurance"}],"author":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/comments?post=56503"}],"version-history":[{"count":16,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/56503\/revisions"}],"predecessor-version":[{"id":71744,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/car-insurance\/56503\/revisions\/71744"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media\/71674"}],"wp:attachment":[{"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/media?parent=56503"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/categories?post=56503"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jerry.ai\/wp-json\/wp\/v2\/tags?post=56503"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}