What is the minimum liability coverage Illinois requires for damage to another person's property?
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A.
$15,000
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B.
$20,000 Correct
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C.
$25,000
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D.
$10,000
The answer is "$20,000"
The minimum liability coverage for damage to another person's property is $20,000. The trap is $25,000; that is the single-person bodily injury minimum printed on the line just above property damage, and a driver reading the list quickly locks onto the first figure.
The traps in the wrong answers
A. $15,000
The manual does not list fifteen thousand as any minimum. This answer splits the difference between the injury and property numbers as a guess when neither one comes to mind cleanly.
C. $25,000
That figure is the single-person bodily injury minimum, not the property-damage minimum. This answer slides one bullet up in the coverage list, mistaking the injury line for the property-damage line because they read next to each other.
D. $10,000
That amount is below the manual's stated minimum. This answer picks a small round number without checking the property-damage line, likely a figure held in memory from an old policy quote.
This question tests your knowledge of Insurance & Financial Responsibility in Illinois. Source: Illinois Rules of the Road, "Mandatory Insurance," p.98..
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