What type of insurance is legally required for commercial vehicles?

Liability insurance is legally required for commercial vehicles because it provides coverage for damages caused to other people or property in the event of an accident where the commercial vehicle driver is at fault. This type of insurance ensures that the insurance company will cover the costs of bodily injury or property damage claims made against the driver, which is essential for protecting both the driver and the public.

In many jurisdictions, commercial vehicles must meet specific minimum liability coverage limits, which can differ from those required for personal vehicles. This requirement exists to ensure that businesses operating commercial vehicles can adequately compensate others who may be harmed due to their operations, thereby promoting a safer environment on the roads.

The other options, such as comprehensive insurance, collision insurance, and personal injury protection, while beneficial, do not fulfill the mandatory legal requirements for operating a commercial vehicle. Comprehensive and collision insurance cover different aspects of potential damages to the insured vehicle, and personal injury protection is focused on the driver's and passengers' medical expenses rather than liability toward others.