Which coverage limits apply to Mr. Higgins regarding bodily injury per person and per accident?

The correct answer indicates that Mr. Higgins has coverage limits of $15,000 per person and $30,000 per accident for bodily injury. This means that in the event of an accident, each individual injured (per person) is entitled to a maximum of $15,000 for their injuries, while the total coverage for all individuals injured in a single accident (per accident) cannot exceed $30,000.

These limits are reflective of typical minimum requirements under certain state regulations for bodily injury liability coverage, which ensure that insurers provide a basic level of protection for damages that may arise from automobile accidents. It's important for policyholders to understand these limits to gauge their potential exposure in case of bodily injury claims resulting from an automobile incident.

For example, if an accident involved multiple parties and the total claims exceed $30,000, the insurer would only pay up to that limit. This is a critical aspect of auto insurance policies, as the chosen limits can significantly impact both the policyholder's financial liability and the protection afforded to injured parties. Understanding these coverage limits helps in making informed decisions about purchasing adequate insurance coverage.