What type of insurance is required for commercial vehicles in Texas?

In Texas, liability insurance is the type of insurance required for commercial vehicles. This form of insurance is crucial because it covers damages to others for injuries or property damage that you may cause while operating your commercial vehicle. The law mandates that commercial drivers carry a minimum amount of liability coverage to ensure that they can compensate others in the event of an accident.

Liability insurance serves to protect the public, allowing injured parties to receive payment for their medical bills or vehicle repairs without delays that can occur from a lack of coverage. This legal requirement ensures that all drivers can operate their commercial vehicles with the understanding that they have the responsibility to cover damages they may cause.

While other types of insurance are beneficial (like collision or comprehensive coverage, which protect your own vehicle, or uninsured motorist insurance, which offers protection if you are hit by a driver without insurance), they are not mandated by law for commercial vehicle operation in Texas.