What is the minimum insurance requirement for auto liability in Massachusetts?

In Massachusetts, the minimum insurance requirements for auto liability are designed to ensure that drivers can cover the costs associated with accidents. The correct answer specifies that drivers must maintain a minimum of $20,000 for bodily injury per person and $40,000 for bodily injury per accident, along with $5,000 for property damage. This requirement reflects the state's commitment to protecting personal injury victims and ensuring that those who cause accidents have sufficient resources to cover potential damages.

The bodily injury coverage amounts provide a balance between individual and total accident coverage, allowing for the possibility of serious injuries in accidents while also capping the liability per incident at a certain amount. Additionally, the property damage coverage ensures that if a driver damages another person's property—such as a vehicle, building, or other structures—the insurance will help manage those costs.

By requiring these minimum amounts, Massachusetts aims to increase financial responsibility among drivers, thereby promoting safer roadways and encouraging compliance with laws meant to protect all road users.