Topic 7 · Insurance and Financial Responsibility
If you have a lapse in insurance and are labeled high-risk, what will happen?
- Your license is revoked for life
- Future insurance will cost more — correct answer
- You will not need insurance anymore
Why
A lapse marks you as high risk, and the SR 22 requirement makes it visible to every insurer you approach. Premiums rise accordingly.
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
- Is it required to report to police for all property-damage-only accidents?
- For property damage accidents below $1,000 with no injury, you:
- If you fail to maintain insurance after reinstating your license with an SR-22, what happens?
- If you’re caught driving without insurance at a checkpoint, what could happen?
- If you’re in a minor crash and police don’t come, what should you do?
- If cost is a barrier, what program may help low-income Californians obtain car insurance?