(a) shall designate by explicit description, or by other appropriate reference inclusive of the vehicle identification number, all vehicles with respect to which coverage is to be granted; and
(b) shall insure the person named therein and any other person, as an insured, using any such vehicle or vehicles with the express or implied permission of such named insured, against loss from the liability imposed by law for damages arising out of the ownership, maintenance, or use of such vehicle or vehicles in the Virgin Islands, subject to minimum coverage, exclusive of interest and costs, with respect to each vehicle, as follows:
| Bodily Injury One Person One Accident | Bodily Injury Two or More Persons One Accident | Property Damage One Accident | |
| (1) Private passenger vehicles, trucks with a carrying capacity of three quarter (¾) ton or less and other passenger carrying vehicles not otherwise listed | $10,000 | $20,000 | $10,000 |
| (2) Taxicabs, with passenger capacity not exceeding nine, including driver; and rental vehicles | $10,000 | $25,000 | $10,000 |
| (3) Trucks with a carrying capacity exceeding three-quarter (¾) ton and all other non-passenger vehicles | $10,000 | $25,000 | $10,000 |
| (4) Buses, except those upon which the Public Services Commission requires higher minimum coverage, with passenger capacity of ten or more, including driver | $10,000 | $50,000 | $10,000 |
| (5) Motorcycles and other two or three-wheeled motorized vehicles | $10,000 | $20,000 | $10,000 |