What are the required minimum liability limits for auto insurance in Massachusetts?

What are the required minimum liability limits for auto insurance in Massachusetts?

• A. $20,000 for bodily injury per person, $40,000 for bodily injury per accident, and $5,000 for property damage
• B. $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage
• C. $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $2,500 for property damage
• D. $20,000 for bodily injury per person, $50,000 for bodily injury per accident, and $2,500 for property damage

Answer: (A)

The correct answer regarding the minimum liability limits for auto insurance in Massachusetts is based on state law requirements designed to ensure that drivers have sufficient coverage in the event of an accident. Massachusetts law mandates a minimum of $20,000 for bodily injury per person, which provides coverage for medical expenses and damages related to injuries suffered by an individual involved in an accident. Furthermore, the requirement of $40,000 for bodily injury per accident protects against claims made by multiple injured parties involved in the same incident, ensuring a higher total coverage amount is available. Additionally, the $5,000 limit for property damage addresses potential damages to vehicles or property as a result of the accident. These limits are established to give a baseline level of protection for both the insured driver and other parties who may be affected by an accident. The other options provided do not align with these statutory requirements, reflecting either insufficient coverage levels for bodily injury or property damage that would leave drivers vulnerable in the event of claims resulting from accidents. Understanding these minimum liability limits helps fulfill the legal obligations of drivers in Massachusetts and promotes safer driving practices by encouraging adequate coverage.

The correct answer regarding the minimum liability limits for auto insurance in Massachusetts is based on state law requirements designed to ensure that drivers have sufficient coverage in the event of an accident. Massachusetts law mandates a minimum of $20,000 for bodily injury per person, which provides coverage for medical expenses and damages related to injuries suffered by an individual involved in an accident. Furthermore, the requirement of $40,000 for bodily injury per accident protects against claims made by multiple injured parties involved in the same incident, ensuring a higher total coverage amount is available. Additionally, the $5,000 limit for property damage addresses potential damages to vehicles or property as a result of the accident. These limits are established to give a baseline level of protection for both the insured driver and other parties who may be affected by an accident.

The other options provided do not align with these statutory requirements, reflecting either insufficient coverage levels for bodily injury or property damage that would leave drivers vulnerable in the event of claims resulting from accidents. Understanding these minimum liability limits helps fulfill the legal obligations of drivers in Massachusetts and promotes safer driving practices by encouraging adequate coverage.