Combined liability insurance is simply the bodily injury and property damage liability insurances rolled into one policy. You therefore don’t have to pay two separate policies for these types of liability insurances. This is much better and less of a hassle since you just have to pay one premium. This also turns out to be much cheaper because they are bundled together by the same provider. For example, you got into an accident, damaged the car, and caused injury to the other driver. Your insurance policy will take care of both the repair of the car and the hospital bills of the driver since you opted to get a combined liability insurance policy.