What is a Combined Single Limit (CSL) policy?

A Combined Single Limit (CSL) policy is a type of auto insurance that provides a single sum of coverage for bodily injury and property damage per accident, regardless of the number of people injured or the extent of property damaged. Unlike split limit policies, which have separate limits for bodily injury per person, bodily injury per accident, and property damage per accident, a CSL policy offers a more flexible coverage option. This means if you have a CSL policy with a limit of $300,000, it can be used to cover any combination of bodily injuries and property damages up to that total amount for a single accident. The flexibility of a CSL policy can be particularly advantageous in accidents with significant damages, providing broader protection under one comprehensive limit. For those seeking to understand how best to structure their auto insurance coverage to meet their needs, consulting with professionals like Paul Knopf Bigger Trial Lawyers can provide valuable insights and guidance.

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