Topic 7 · 105 questions
Insurance and Financial Responsibility
- What is the DMV’s role if your insurance lapses?
- If your vehicle registration is suspended for lack of insurance, what can happen if you are caught driving?
- Which of the following is NOT an acceptable alternative to an insurance policy in California?
- If you’re in an accident with no insurance and the accident is not your fault, what are you limited to recovering?
- Keeping insurance and registration current is:
- If you are at fault in an accident and cause $40,000 damage to someone's car, but only carry the minimum property damage coverage, how much could you be personally responsible for?
- Before buying car insurance in California, you should check that the agent or broker is:
- If you drive without insurance and get pulled over, what might you receive?
- DMV can electronically verify your insurance status through:
- When must you provide proof of insurance in California?
- Who must file an SR-1 accident report after a qualifying accident?
- What should you do immediately after being involved in any accident?
- A collision happens on private property, with $2,000 of damage. You:
- What does an SR-22 form prove?
- For which of the following must you file an accident report with DMV (SR-1)?
- Insurance policy limits of 30/60/15 mean:
- Who should you exchange information with at the accident scene?
- California’s minimum liability limits as of January 1, 2025, are:
- Nobody is hurt in your collision and the vehicles are blocking traffic. You should:
- What does liability insurance cover?
- A collision is added to your driver's record:
- If you are not at fault and the other driver has no insurance, what California coverage pays for your car’s repairs?
- What is the minimum car insurance required in California as of 2025?
- You must be able to show proof of insurance:
- What is California’s ‘No pay, no play’ rule?
- If you are uninsured in a not-at-fault accident and suffer injuries, what can you not claim?
- After an accident, who determines fault if there is disagreement?
- You are required to carry proof of insurance:
- Can you be fined for not carrying proof of insurance even if you are insured?
- What should you always carry in your car to be prepared for an accident?
- Which of the following will not help you avoid high costs after an accident?
- If you get your license suspended after an uninsured accident, how soon can you get it back?
- In case of an unsatisfied legal judgment against you for an accident, your license may be:
- Which scenario will NOT result in suspension of your vehicle registration by DMV?
- What happens if you do not have insurance and are sued for accident damages?
- A fix-it ticket for no proof of insurance can be cleared if:
- The purpose of liability insurance is to:
- Failing to exchange information after a minor accident, even if damage is under $1,000, is:
- Uninsured Motorist (UM) coverage in California covers:
- If you cannot afford liability insurance, California offers:
- If someone is injured or killed in an accident, you must:
- You roll into a parked car and cannot find the owner. You must:
- You must report a collision to the DMV within 10 days if:
- What is the primary reason California requires liability insurance for drivers?
- If you cause an accident with no insurance, to reinstate your license after 1 year you must:
- In California, who can legally help file the SR-1 if you are injured?
- If you fail to file an SR-1 accident report with the DMV when required, what may happen?
- You hit and injure an animal on the road. You should:
- What is a reason for keeping a digital insurance card?
- What is the minimum liability insurance for bodily injury or death to one person in an accident in California as of 2025?
- 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 have a lapse in insurance and are labeled high-risk, what will happen?
- 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?
- What is the best reason for having insurance even above the minimum required?
- If you total a new $40,000 car and only have minimum property damage insurance, how much will your insurance pay?
- If your license was suspended due to an accident with no insurance, how long must you maintain SR-22 if you reinstate after 1 year?
- To reinstate your license after suspension for no insurance, you must usually:
- Which of these is listed among the most common causes of collisions?
- Driving without proof of insurance but actually having insurance may result in:
- In which scenario must you file an SR-1 with DMV?
- A DMV-issued self-insurance certificate is usually for:
- When should you notify your insurance company about an accident?
- Which document is NOT required to be exchanged at an accident scene?
- If you are at fault and injure two people in a crash, what is the minimum total your policy must cover for injuries?
- If you are involved in a collision, you must:
- Insurance is considered:
- If you are in an accident and both drivers have insurance, what is the first thing you should do?
- How long must you keep SR-22 insurance on file after a DUI or uninsured accident?
- After an accident with injuries or significant property damage, which form must you file with the California DMV?
- A surety bond for financial responsibility must be at least:
- Does law enforcement file the DMV collision report for you?
- During a suspension for driving without insurance, you can get your license back:
- The minimum liability coverage for property damage in California is:
- The minimum coverage for death or injury to more than one person is:
- Can you show proof of insurance on a smartphone during a traffic stop in California?
- What should you avoid saying at the scene of an accident?
- If you have no insurance at the time of an at-fault accident, your driver’s license may be suspended for up to:
- You see emergency flashers ahead on the road. You should:
- Taking photos at the scene of an accident is:
- If you want to avoid high out-of-pocket costs in a serious crash, you should:
- Which of these is NOT considered ‘proof of financial responsibility’ in California?
- What is the penalty for not maintaining SR-22 insurance after a suspension?
- You are in a collision where someone is injured. Besides the DMV report, you must:
- If you hit a parked car and cannot locate the owner, what must you do?
- If you cause an accident and your insurance does not cover all damages, what can the injured party do?
- If the other driver in a crash is uninsured and at fault, what coverage helps you?
- Who takes on financial responsibility for a driver younger than 18?
- If you lend your insured car to a friend, is the car covered?
- California insurance law is designed to:
- Which of the following is a consequence of driving uninsured in California?
- How soon after an accident must an SR-1 report be filed?
- If you cause an accident and your insurance limits are too low to cover all damages, what could happen?
- A police report fulfills the DMV SR-1 reporting requirement. True or False?
- You are in a collision without proper insurance coverage. Your driving privilege:
- You must stop at the scene of an accident you are involved in because:
- If you are injured in an accident but did not have insurance, what can you recover from the at-fault party?
- When registering a vehicle in California, what is required?
- If someone is injured in an accident, what must you do at the scene?
- The first thing the law requires after any collision is that you:
- If the other driver refuses to exchange information after an accident, what should you do?
- The form used to report a collision to the DMV is: