What are "auto liability" limits typically divided into?

Auto liability limits are typically divided into bodily injury liability and property damage liability. This division is essential for understanding the different aspects of coverage that an auto policy provides.

Bodily injury liability covers the costs associated with injuries sustained by others in an accident where you are at fault. This can include medical expenses, lost wages, and pain and suffering resulting from the accident.

Property damage liability, on the other hand, covers the damage to someone else's property, such as their vehicle or other structures, resulting from an accident for which you are liable.

The separation of these two types of liability limits is crucial for both insurers and policyholders as it delineates the scope of coverage and helps ensure that sufficient protection is in place for various potential claims arising from automobile accidents.

The other options do not accurately reflect the standard structure of auto liability limits. For instance, comprehensive and collision coverage are types of physical damage coverage, not liability. Similarly, state-mandated and excess liability pertains to coverage requirements and additional limits rather than the basic liability structure, while personal injury protection and uninsured motorist coverage serve different purposes entirely, focusing on personal medical expenses and injuries caused by uninsured drivers, respectively.