Topic 7 · Insurance and Financial Responsibility
If the other driver in a crash is uninsured and at fault, what coverage helps you?
- Homeowners insurance
- Uninsured/Underinsured Motorist (UM/UIM) coverage — correct answer
- Collision coverage only
Why
Uninsured/underinsured motorist cover is the part of your own policy that pays when the at-fault driver cannot.
Practise this in the real format
Reading one answer is not the same as sitting the test. The simulator runs the first-time adult form: 36 questions, 6 mistakes allowed, 83% to pass.
Source: California Driver's Handbook (DL 600, rev. 6/2025), the document the DMV writes the real test from. Edited by Fernando Aguilera. Aprobify is not affiliated with the California DMV.
More from Insurance and Financial Responsibility
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