Section 10
Financial Responsibility, Insurance Requirements, and Collisions: practice questions
Financial Responsibility, Insurance Requirements, and Collisions
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When must you have proof of insurance with you?
- Whenever you drive.
- Only after you have been in a collision.
- When you renew registration, not day to day.
Answer
Whenever you drive.
You must have your proof of financial responsibility (insurance) when you drive and for a drive test.
10 · Financial Responsibility, Insurance Requirements, and Collisions -
After a collision, what must you show the other driver?
- Only your name and phone number, nothing else.
- Nothing, unless the police come to the scene.
- License, registration, insurance, and address.
Answer
License, registration, insurance, and address.
If you get into a collision, you must show proof to the other drivers involved in the collision.
10 · Financial Responsibility, Insurance Requirements, and Collisions Show your driver’s license, vehicle registration card, insurance information, and current address to the other driver, law enforcement officer, and anyone else involved in the collision.
10 · Collisions
Insurance Requirements
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What is the least your insurance may cover for the death or injury of one person?
- $15,000.
- $60,000.
- $30,000.
Answer
$30,000.
Minimum coverage is $30,000 for one person's death or injury, $60,000 for more than one person, and $15,000 for property damage.
Your insurance must cover at least: $30,000 for a single death or injury.
10 · Insurance Requirements -
What is the least your insurance may cover for the death or injury of more than one person?
- $60,000.
- $30,000.
- $100,000.
Answer
$60,000.
Your insurance must cover at least: $60,000 for death or injury to more than one person.
10 · Insurance Requirements -
What is the least your insurance may cover for property damage?
- $15,000.
- $5,000.
- $30,000.
Answer
$15,000.
Minimum coverage for property damage is $15,000.
Your insurance must cover at least: $15,000 for property damage.
10 · Insurance Requirements -
Before buying car insurance, what should you check?
- The agent has been approved by the DMV.
- The agent has an office in your own city.
- The agent is licensed by the Department of Insurance.
Answer
The agent is licensed by the Department of Insurance.
Before you buy insurance, make sure that the agent, broker, or insurance provider is licensed by the California Department of Insurance.
10 · Insurance Requirements
Driving Without Insurance
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You are in a collision without insurance, and it was not your fault. What can happen?
- A suspension of up to four years.
- Nothing, since you weren't at fault.
- A fine, with no license suspension.
Answer
A suspension of up to four years.
Your driving privilege will be suspended for up to four years if you are in a collision and do not have proper insurance coverage. It does not matter who was at fault.
10 · Driving Without Insurance
Collisions
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What is one of the most common causes of traffic collisions?
- Paying attention to your surroundings.
- Better traffic flow.
- Driver distractions.
Answer
Driver distractions.
The most common causes of collisions are: Driver distractions. Unsafe speed. Improper turns. Not following the right-of-way rules. Not following stop signals and signs. Driving on the wrong side of the road. A vehicle traveling faster or slower than the flow of traffic.
10 · Collisions From the DMV's Class C Test #2
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You see a car's emergency flashers on the road ahead. What should you do?
- Keep your speed and change lanes fast.
- Stop behind it until it moves.
- Slow down and pass with care.
Answer
Slow down and pass with care.
If you see a vehicle’s emergency flashers ahead, slow down. There may be a collision or other road emergency. Pass carefully.
10 · Collisions -
You bump another car in slow traffic and see no damage. What must you do?
- Keep going, since nothing was damaged.
- Stop; driving off would be a hit-and-run.
- Wave, and drive on if the driver waves back.
Answer
Stop; driving off would be a hit-and-run.
If you are in a collision you must stop. Leaving the scene is a hit-and-run, which is punished severely.
You must stop. Someone could be injured and need your help.
10 · Collisions -
After a minor collision, no one is hurt and both cars still run. What should you do?
- Move out of traffic, then call 911.
- Leave the cars where they are for police.
- Drive home and call the other driver later.
Answer
Move out of traffic, then call 911.
Move your vehicle out of traffic if no one is hurt. Then call 911.
10 · Collisions Call 911 right away if anyone is hurt.
10 · Collisions -
Someone was injured in your collision. How soon must it be reported to law enforcement?
- Within 24 hours.
- Within 10 days.
- Within 72 hours.
Answer
Within 24 hours.
Report injury or fatal collisions to law enforcement within 24 hours. The 10-day deadline is for the DMV report.
You must make a report to law enforcement within 24 hours of the collision if anyone is injured or killed. Your insurance agent, broker, or legal representative can also file the report.
10 · Collisions -
You hit a parked car and can't find the owner. What must you do?
- Leave a note and report it to police.
- Leave, since you tried to find them.
- Leave a note, with no need to report it.
Answer
Leave a note and report it to police.
Try to find the owner if your vehicle hits or rolls into a parked car or other property. If you cannot find the owner, leave a note with your name, phone number, and address. Securely attach the note to the vehicle or property. Report the collision to law enforcement.
10 · Collisions -
You hit a deer and it is injured. What should you do?
- Call the humane society or police.
- Move it off the road yourself.
- Drive on; animals aren't reportable.
Answer
Call the humane society or police.
If you kill or injure an animal, call the nearest humane society or law enforcement. Do not try to move an injured animal.
10 · Collisions -
You are required to notify DMV by filing a Report of Traffic Accident Occuring in California (SR-1) form if:
- You allowed a licensed driver from another state to drive your vehicle.
- You were involved in a collision with more than $1,000 in damages.
- You failed to pay your registration fees.
Answer
You were involved in a collision with more than $1,000 in damages.
If you are in a collision, you must report it to DMV within 10 days if: The collision caused more than $1,000 in damage to property.
10 · Collisions Each driver must file a Report of Traffic Accident Occurring in California (SR 1) with DMV You (or your representative) must file a report whether or not you caused the collision. This applies even if the collision happened on private property.
10 · Collisions From the DMV's Class C Test #2
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You are required to notify DMV by filing a Report of Traffic Accident Occuring in California (SR-1) form if:
- You change your insurance company.
- You were involved in a collision with an injury.
- Your vehicle fails a smog test.
Answer
You were involved in a collision with an injury.
If you are in a collision, you must report it to DMV within 10 days if: Anyone was injured or killed. This applies even if the injuries were minor.
10 · Collisions Each driver must file a Report of Traffic Accident Occurring in California (SR 1) with DMV You (or your representative) must file a report whether or not you caused the collision. This applies even if the collision happened on private property.
10 · Collisions From the DMV's Class C Test #3
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Someone had a minor injury in your collision. What is the deadline for reporting it to the DMV?
- 10 days.
- 24 hours.
- 30 days.
Answer
10 days.
Report to the DMV within 10 days if anyone was hurt, even slightly, or if damage was over $1,000. Police must be told within 24 hours of an injury.
If you are in a collision, you must report it to DMV within 10 days if: Anyone was injured or killed. This applies even if the injuries were minor.
10 · Collisions The collision caused more than $1,000 in damage to property.
10 · Collisions -
Your collision caused $2,000 in damage, and the other driver was at fault. Who must file an SR 1 with the DMV?
- Each driver, at fault or not.
- Only the driver at fault.
- The officer at the scene.
Answer
Each driver, at fault or not.
Each driver must file an SR 1, whether or not they caused the collision. Law enforcement will not make the report for you.
Each driver must file a Report of Traffic Accident Occurring in California (SR 1) with DMV You (or your representative) must file a report whether or not you caused the collision. This applies even if the collision happened on private property.
10 · Collisions -
What happens if you don't file a required SR 1 collision report?
- The police will file it for you.
- Your license will be suspended.
- Your insurer files it for a fee.
Answer
Your license will be suspended.
Your driving privilege will be suspended if you fail to file a report. Law enforcement will not make a report for you.
10 · Collisions