Why must drivers purchase liability insurance?

Liability insurance is essential for drivers because it holds them financially responsible for any damage or injury they may cause to another person or their property while operating a vehicle. This type of insurance ensures that if an accident occurs and the driver is at fault, the costs associated with the damages, medical expenses, and legal fees can be covered without placing an undue financial burden on the driver.

By requiring liability insurance, the broader goal is to promote accountability among drivers on the road. This creates a system where any potential claims made by injured parties can be addressed without leaving them at a loss, thereby fostering a level of financial protection that benefits everyone sharing the road.

The other options, while relevant to various aspects of driving and vehicle ownership, do not directly encapsulate the fundamental purpose of liability insurance as it pertains to financial responsibility for potential damages resulting from an accident.