Topic 7 · Insurance and Financial Responsibility
If you are injured in an accident but did not have insurance, what can you recover from the at-fault party?
- Full new vehicle cost
- Non-economic damages (pain and suffering)
- Only economic damages — correct answer
Why
Under California's 'no pay, no play' rule, an uninsured driver can recover economic losses such as medical bills, but not pain and suffering.
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
- A police report fulfills the DMV SR-1 reporting requirement. True or False?
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- When registering a vehicle in California, what is required?
- If someone is injured in an accident, what must you do at the scene?
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