What type of insurance coverage is legally required in Texas?

In Texas, liability insurance is the legally required type of insurance coverage for drivers. This requirement is designed to ensure that all motorists have the financial ability to cover damages they may cause to others in the event of an accident. Liability insurance includes coverage for bodily injury and property damage, which protects other drivers, passengers, and pedestrians.

This requirement exists to promote responsible driving and to secure the welfare of all road users by ensuring that those at fault in accidents can compensate others for their injuries or property loss. While other types of insurance, such as comprehensive insurance and uninsured motorist coverage, provide additional protection, they are not mandated by law for all drivers in Texas. Health insurance is also not related to vehicle operation in the same context, so it does not apply to this specific legal requirement.