What is the required minimum insurance coverage for automobile liability in Massachusetts?

The required minimum insurance coverage for automobile liability in Massachusetts is indeed $20,000 for bodily injury per person, $40,000 per accident, and $5,000 for property damage. This structure is designed to ensure that injured parties receive adequate compensation in the event of an accident. By mandating these specific minimums, the state aims to promote responsible driving and protect both motorists and pedestrians.

The requirement of $20,000 for bodily injury per person ensures that those who are injured in an accident can access some financial resources for medical expenses and related costs. The $40,000 maximum per accident addresses incidents involving multiple injured parties, providing a broader safety net. The additional $5,000 for property damage covers damages to vehicles and other property resulting from accidents, which is crucial for maintaining financial responsibility.

Other options suggest minimums that do not align with Massachusetts law. The figures presented in those options either exceed the minimum requirements or inadequately meet the standards established by the state. This clarity in the minimum coverages helps consumers understand their obligations and facilitates compliance with state insurance regulations.