What is a “smooth” liability limit?

A “smooth” liability limit is a combined single limit of liability for bodily injury and property damage which does not have a per passenger or per person sublimit. In other words, the entire liability limit would available to settle the claims of one or more people. A “smooth” liability limit is more expensive than one with a sublimit but offer greater protection, because even a single passenger would be afforded the entire limit of liability in the event of a serious bodily injury.