What is the minimum insurance coverage required under Title 20?

• A. Comprehensive insurance for all vehicles
• B. Liability insurance for bodily injury and property damage
• C. Collision insurance for personal vehicles
• D. Uninsured motorist coverage

Answer: (B)

The minimum insurance coverage required under Title 20 is liability insurance for bodily injury and property damage. This type of insurance is essential because it protects drivers from financial loss if they cause an accident that results in injury to another person or damage to someone else's property.

Liability insurance is mandated by law in many jurisdictions to ensure that all drivers have a basic level of protection for themselves and others on the road. This requirement helps promote responsibility among drivers, encouraging them to carry sufficient coverage to address potential damages they may cause in an accident.

Other types of insurance, such as comprehensive or collision coverage, are not required to legally operate a vehicle but are often recommended to protect against various risks. Uninsured motorist coverage, while beneficial, is also not mandated as a minimum requirement under Title 20. Thus, liability insurance is critical as it serves as the foundation of the legal insurance requirements for operating a vehicle.