Texas Department of Public Safety Practice Exam

In Texas, the law mandates that drivers must carry liability insurance to legally operate a vehicle. Liability insurance protects you financially in the event that you are at fault in an accident and cause injury or damage to another person or their property. It covers the costs of claims made against you, including medical expenses and damages for property loss.

While full coverage insurance, which may include collision and comprehensive coverage, provides more extensive protection, it is not a legal requirement to drive in the state. Uninsured motorist coverage is also not mandatory but is highly recommended for additional protection against drivers who lack insurance. Thus, holding a basic liability insurance policy satisfies the legal requirement necessary to drive in Texas.