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Message: <blockquote data-quote="JefeAZ" data-source="post: 1500133" data-attributes="member: 16377">Having been in the insurance industry for a long time you really want split limits if the company offers it(or an Umbrella). Someone or someone's car usually gets left out of a settlement and they will sue you.You have $500K for BI and PD. So if you hit and injure 2 people in a car that $500K gets split up amongst the injuries and car. If the injuries are serious that $500K is not going far. With split limits you would have $500K BI per person and then $500K for property damage. Split limits offer double the protection. I would look into $1M or adding an Umbrella if they don't offer split limits.Can you bump UnInsured PD to a higher limit? If someone hits you and takes off or doesn't have insurance you only get $25K for your vehicle.For everyone else make sure you have matching UnInsured/UnderInsured. Thats for you in case you get injured by someone else who doesn't have any insurance or not enough. It covers your medical bills, pain and suffering, missed wages, long term care, rehab, or even a death settlement. You don't have to be in your car to claim it either. It follows you on a bike, checking your mail or walking in a parking lot.</blockquote>