What type of insurance is required by law for drivers in Texas?

In Texas, liability insurance is mandated by law for all drivers. This type of insurance provides coverage for damages and injuries that you may cause to others in an accident where you are at fault. This requirement ensures that drivers can financially support anyone they may injure or whose property they may damage while driving.

Liability insurance consists of two main components: bodily injury liability, which covers medical expenses for others, and property damage liability, which covers repairs to other people's property. By requiring this coverage, the law aims to protect the public and ensure that victims of traffic accidents can receive compensation for their losses without facing financial hardship.

The alternatives to liability insurance, such as comprehensive and collision insurance, are not legally required. Comprehensive insurance covers theft and damage to your vehicle from non-collision incidents, while collision insurance covers damage to your car from an accident. These types of coverage can be beneficial, but they are optional and not necessary for meeting the legal requirements for driving in Texas.