What type of insurance is required for all vehicles operated on public roads according to Title 20?

• A. Comprehensive insurance
• B. Liability insurance
• C. Collision insurance
• D. Property damage insurance

Answer: (B)

Liability insurance is essential for all vehicles operated on public roads as mandated by Title 20. This type of insurance provides financial protection to the driver if they are at fault in an accident that causes injury to others or damage to someone else's property. Liability coverage is critical because it ensures that there are funds available to cover the costs associated with injuries and damages that may arise from vehicle accidents, which helps maintain financial responsibility on the part of the driver.

Comprehensive insurance and collision insurance serve different purposes and provide more specific types of coverage. Comprehensive covers losses due to non-collision-related incidents such as theft or natural disasters, while collision insurance pays for damage to the insured vehicle resulting from a collision, regardless of fault. Property damage insurance, although related, refers specifically to the damage caused to another person's property and is generally included under liability coverage, which encompasses both bodily injury and property damage aspects. However, liability insurance is the foundational requirement for operating vehicles legally on public roads.