After Mark's accident that causes injuries and damage, how much will he be responsible for out-of-pocket?

In situations involving accidents, the out-of-pocket expenses a person is responsible for often depend on various factors, including the nature of their insurance coverage and the specifics of the incident. The answer of $20,000 suggests that this amount represents Mark's financial responsibility after taking into account his insurance policy limits, deductibles, or exclusions.

In many cases, individuals undergo a thorough assessment of their insurance coverage to ascertain what is covered in the event of an accident. If Mark's insurance has certain limits or deductibles that he must meet before full coverage takes effect, it can result in a specific out-of-pocket cost. Therefore, this amount is likely reflective of those factors—perhaps it is a deductible he must pay before his insurance provides additional coverage for the remaining expenses.

Furthermore, the other options suggest incorrect amounts based on the context provided. If Mark were to be completely covered with no out-of-pocket expenses, then the selection of "None; he is totally covered" would be appropriate. However, since there is an out-of-pocket figure provided, it indicates that Mark is, in fact, subject to some financial responsibility related to the accident despite his insurance policy.