Texas CDL General Knowledge Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

Basic liability insurance is essential for commercial vehicles because it meets the minimum legal requirement to operate on public roads. This type of insurance primarily covers damages and injuries that may be caused to other people or their property in the event of an accident for which the commercial vehicle driver is found to be at fault. It helps protect the business from lawsuits and financial losses resulting from these incidents.

While collision coverage and comprehensive coverage offer additional protection—for instance, collision coverage helps pay for damages to your vehicle in an accident, and comprehensive coverage protects against non-collision-related damages such as theft or weather-related incidents—these types are not mandated by law. Therefore, they are not considered a primary requirement for operating a commercial vehicle. Only basic liability insurance is universally required to ensure that drivers have enough coverage to protect the public from their actions while on the road.