What is the minimum insurance coverage required for a driver?

The minimum insurance coverage required for a driver is liability insurance. This type of insurance is essential because it protects the policyholder in the event that they cause an accident that results in injury or property damage to others. Most states mandate a minimum level of liability insurance to ensure that drivers can cover costs associated with damages or injuries resulting from their actions on the road.

This requirement helps to promote financial responsibility among drivers and to ensure that victims of auto accidents can receive compensation for their injuries or damages. Liability insurance typically includes two components: bodily injury liability, which covers medical costs for others, and property damage liability, which covers the repair or replacement of others' property that the driver is responsible for damaging.

While comprehensive insurance, collision insurance, and uninsured motorist coverage serve important roles in a driver's overall insurance portfolio, they go beyond the minimal legal requirements and often provide additional protections that drivers may choose for more extensive coverage. However, they are not the minimum requirement enforced by law.