What types of insurance are required to operate a vehicle as per Title 21?

What types of insurance are required to operate a vehicle as per Title 21?

• A. Comprehensive insurance
• B. Liability insurance
• C. Collision insurance
• D. Personal injury protection

Answer: (B)

Liability insurance is a legal requirement for operating a vehicle under Title 21. This type of insurance is designed to cover damages and injuries that you, the policyholder, may cause to other people or their property while driving. It ensures that victims of accidents can receive compensation for their losses, which can include medical expenses, property damage, and other related costs. In many jurisdictions, including those governed by Title 21, driving without liability insurance can lead to severe penalties, including fines and suspension of driving privileges. This requirement promotes financial responsibility among drivers and helps protect the public from the financial fallout of vehicular accidents. While comprehensive insurance, collision insurance, and personal injury protection are important types of coverage that contribute to overall vehicle protection, they are not legally mandatory for all drivers. Comprehensive insurance typically covers non-collision damages, collision insurance covers damages to your own vehicle after an accident, and personal injury protection helps pay for medical expenses regardless of fault, but liability insurance specifically addresses the financial responsibilities towards others, making it a fundamental requirement for legal driving.

Liability insurance is a legal requirement for operating a vehicle under Title 21. This type of insurance is designed to cover damages and injuries that you, the policyholder, may cause to other people or their property while driving. It ensures that victims of accidents can receive compensation for their losses, which can include medical expenses, property damage, and other related costs.

In many jurisdictions, including those governed by Title 21, driving without liability insurance can lead to severe penalties, including fines and suspension of driving privileges. This requirement promotes financial responsibility among drivers and helps protect the public from the financial fallout of vehicular accidents.

While comprehensive insurance, collision insurance, and personal injury protection are important types of coverage that contribute to overall vehicle protection, they are not legally mandatory for all drivers. Comprehensive insurance typically covers non-collision damages, collision insurance covers damages to your own vehicle after an accident, and personal injury protection helps pay for medical expenses regardless of fault, but liability insurance specifically addresses the financial responsibilities towards others, making it a fundamental requirement for legal driving.