What type of insurance is mandatory for commercial drivers in BC?

In British Columbia, liability insurance is mandatory for all drivers, including commercial drivers. This type of insurance provides coverage for damages that may be caused to other people or their property as a result of an accident for which the insured driver is at fault. The requirement for liability insurance ensures that all drivers can be held responsible for any harm they cause while operating a vehicle, promoting financial responsibility on the road.

Collision insurance and comprehensive insurance, while important, are not mandatory. Collision insurance covers damage to the policyholder’s vehicle from a collision with another vehicle or object, whereas comprehensive insurance covers damage from non-collision incidents such as theft or natural disasters. These coverages are additional to the mandatory liability insurance.

Health insurance, while vital for overall health coverage, is not specifically required for driving and does not pertain to the insurance responsibilities inherent in vehicle operation. Thus, the emphasis on liability insurance reflects the legal requirement for commercial drivers to protect themselves and others from financial loss due to accidents.