What type of insurance is mandatory across the USA?

Motor insurance is indeed mandatory in most states across the USA, particularly for commercial vehicles. This requirement stems from the need to protect other road users and ensure that parties involved in accidents have access to compensation for damages or injuries. The law mandates that drivers have a minimum level of liability coverage, which varies by state, ensuring that all motorists can cover the costs associated with accidents they may cause.

Health insurance, while essential for many, is not legally required for all individuals in all states. Life insurance is a personal choice and not mandated by law. Homeowners insurance is often required by lenders as a condition of home financing but is not a legal requirement for a homeowner. The distinction lies in the fact that motor vehicle insurance serves a public safety function, making it critical to have a standard across states to protect both the insured and the public.