Track every dollar
Use the limit tracker inside our policy pillar guide to log the numbers you discover.
Your declarations page may show generous liability, comprehensive, and collision limits. But endorsements and sub-limits can quietly reduce how much the insurer actually pays. Follow this blueprint to read every number and avoid surprises at claim time.
1. Identify the main limit types
- Split limits: Liability expressed as three numbers (per person, per accident, property damage).
- Combined single limit (CSL): One pot for injuries and property damage.
- Per occurrence limits: Used for comprehensive and collision.
- Aggregate limits: Rare in personal auto but common in umbrella policies.
2. Hunt for sub-limits
Sub-limits hide in endorsements. Look for caps on:
- Custom equipment, stereo systems, or wheelchair lifts.
- Rental car reimbursement or loss of use.
- Towing, labor, and roadside assistance.
- Glass-only claims or OEM parts guarantees.
3. Compare limits to actual costs
Use these benchmarks:
- List the value of each custom part or accessory.
- Check rental car rates in your city for the type of vehicle you need.
- Ask your repair shop what towing or OEM parts actually cost.
- Adjust sub-limits or add endorsements until coverage mirrors those numbers.
4. Document everything
Create a spreadsheet with four columns: coverage name, limit, page number, and notes. Update it after every renewal or vehicle change.
Limits only protect you if they are high enough. Spend 30 minutes auditing them now so you are never surprised when a claim is filed.