Which of the following best describes the nature of Norris’s liability in the accident?

In cases of liability arising from accidents, it's essential to understand the implications of the state's minimum insurance requirements. State minimums typically outline the least amount of coverage that a driver must carry, which serves to protect against certain liabilities, limiting the financial exposure for the driver involved in an accident.

When referencing limited liability due to state minimums, this suggests that Norris's potential liability is confined to the extent of the insurance he is required to maintain by law. If Norris adheres to the minimum coverage requirements, his liability would not exceed these limits, which means that he would be protected to a certain degree against claims resulting from the accident. This is particularly important if the damages exceed this limit; in such cases, he would only be liable up to the amount covered by his insurance.

Understanding this concept highlights the importance of maintaining adequate insurance coverage beyond just the state minimums, as this can significantly impact financial responsibilities following an accident. In contrast, the other options reflect different liability exposure scenarios that do not accurately describe the situation at hand.