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Combined Single Limit (CSL) Auto Insurance

Combined Single Limit (CSL) auto insurance covers an insured driver for all liability in one single occurrence. It makes available one set amount of money to cover both bodily injury and property damage claims from an auto accident. The advantage of combined single limit auto insurance over its counterpart, split limit coverage, is that all of the insurance money is available for all types of claims. In split limit coverage, there is a set amount of coverage for bodily injury and a set amount of coverage for property damage.Take for instance, a car accident that occurs where there is little bodily injury but extensive property damage. If the insured driver carries split limit coverage, only the portion of the auto insurance available for property damage can be used to pay out property damage claims. If the amount of money needed to fix the damage exceeds the amount of property damage insurance, the bodily injury insurance cannot be tapped into to pay for the property damage. Even if little of the bodily injury insurance was used, it is unavailable for anything but bodily injury claims. However, with combined single limit auto insurance, the coverage is not divided between bodily injury and property damage. The entire amount can be used for the property damage if necessary or it can be split between bodily injury and property damage as needed.

Most insurance companies offer combined single limit coverage in some form. The coverage can vary from company to company and may also be dependent upon an individual state’s insurance laws. When obtaining auto insurance, you should inquire about the availability of combined single limit coverage. You can obtain free quotes on combined single limit (CSL) auto insurance here at AutoCarInsurance.org. Simply begin by filling out your zip code in the box above.