In automobile liability "split" limits, what do the first two numbers represent?

In automobile liability insurance, "split" limits denote the maximum amount the insurer will pay for different types of claims arising from an accident involving the insured vehicle. Specifically, the first two numbers in split limits represent the coverage for bodily injury. The first number indicates the limit per person for bodily injury, while the second number refers to the total limit for all persons involved in a single accident.

This structure is important because it delineates the insurer's responsibility to cover medical expenses, lost wages, and other damages incurred by injured parties. Understanding how split limits work is crucial for policyholders as it impacts their financial protection and liability exposure in car accidents. Property damage coverage, while also essential, is represented by the third number in the split limit configuration and does not factor into the question at hand.