Defensive Driving Answers ➜ Vehicle Insurance Coverage, Registration, Responsibility Law

Question: It is illegal to drive in the United States without __________.
A.) having liability insurance for your vehicle
B.) having held your Driver`s License for 90 days
C.) having a life insurance policy
D.) A passenger-side mirror

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having liability insurance for your vehicle


Question: You must have Proof of insurance, registration and your driver's license:
A.) when driving on city streets
B.) when applying for a drivers license
C.) when driving a golf cart on the golf course

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when driving on city streets


Question: If you have a collision not covered by your insurance,
A.) Your insurance company will foot the bill for the rest.
B.) You will be able to purchase supplemental insurance after the fact.
C.) Your license will be suspended.
D.) You should drop your insurance coverage immediately.

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Your license will be suspended.


Question: An insurance policy with bodily injury coverage covers ____.
A.) the passengers in your car
B.) the injury to or death of each person as a result of any one accident
C.) any damages to the body of your car
D.) the passengers of the other party's car

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the injury to or death of each person as a result of any one accident


Question: Maintaining good grades is mentioned as a way to save money on insurance.
A.) TRUE
B.) FALSE

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TRUE


Question: The price of a vehicle contributes to higher insurance premiums.
A.) TRUE
B.) FALSE

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TRUE


Question: A poor driving record is a good way to see your insurance rates soar.
A.) TRUE
B.) FALSE

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TRUE


Question: Every vehicle operated on your state roadways must be covered by _________ insurance through a company that is authorized to do business in your state.
A: Equity
C: Premium
B: Liability
D: Medical

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Liability


Question: True or False: It is illegal to provide proof of insurance to a police officer on an electronic device.
A.) True
B.) False

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False


Question: The minimum amount your insurance must cover per collision is:
A.) $15,000 for a single death or injury
B.) $30,000 for death or injury to more than one person
C.) $5,000 for property damage
D.) All of the above

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All of the above


Question: If you have a collision or receive a moving violation while driving carelessly you may experience some or all of the examples below, except:
A.) Damage to or loss of vehicle
B.) Decrease in insurance
C.) Financial impact/Legal actions/DMV actions
D.) Injury or death to you, passengers, and/or others

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Decrease in insurance


Question: Liability insurance protects you against:
A.) claims from an uninsured motorist
B.) claims if you are at fault in a collision.
C.) claims if you are not at fault in a collision
D.) all of the above

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claims if you are at fault in a collision.


Question: Liability insurance protects you from an individual lawsuit as a result of an automobile accident.
A.) TRUE
B.) FALSE

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TRUE


Original: https://answers.way2trafficschool.com/2019/07/it-is-illegal-to-drive-in-united-states.html

Question: ______insurance coverage provides protection for damage to persons or property.
➜ ______ insurance coverage provides protection for damage to persons or property.
A.) Liability
B.) Equity
C.) Premium
D.) Medical
E.) Comprehensive
F.) Deductible

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Liability


Question: Drivers become subject to the liability insurance law when accident damages amount to: (no matter what vehicle – they all dent easily and cost big bucks to fix!!!)
A.) $50 to property of one person
B.) $25 to property of one person
C.) $100 to property of one person
D.) at least $1,000 to property of one person

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at least $1,000 to property of one person


Question: Always carry your license, proof of insurance and the vehicle's __________ in the vehicle with you when you drive.
A.) Title
B.) Registration
C.) Legislation
D.) Proof of sale

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Registration


Question: State licensing requirements include proof of ___________ responsibility.
➜ State licensing requirements include proof of blank responsibility
A.) Personal
B.) Financial
C.) Parental
D.) Liable

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Financial


Question: Uninsured drivers become subject to license and vehicle registration suspension when accident damages amount to:
➜ Uninsured drivers become subject to license and vehicle registration suspension when damages amount to:
A.) $100 to property of one person
B.) $25 to property of one person
C.) $50 to property of one person
D.) At least $1000 to property of one person

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At least $1000 to property of one person


Question The premium on insurance to provide proof of financial responsibility
ANS: may be higher for drivers with bad records

Question: Proof of financial responsibility must be shown by
A.) New, inexperienced drivers
B.) Older drivers
C.) All drivers

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All drivers


Question: Which of the following typically have the highest auto insurance premiums?
Which of the following has the highest auto insurance premiums?
A.) Young, inexperienced drivers
B.) Older, experienced drivers
C.) Drivers who have safe driving records
D.) Drivers who travel short distances

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Young, inexperienced drivers


Question: Insurance can help you:
A.) minimize monthly expenses
B.) financially protect against unexpected accidents
C.) reduce the chances of getting into an accident
D.) cover all out-of-pocket costs

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financially protect against unexpected accidents


Question: If you cause a car accident, which type of insurance will require you to pay the least out of pocket?
A.) High deductible plan
B.) Low deductible plan
C.) Either A or B
D.) Neither A nor B

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Low deductible plan


Question: If you are in a car accident caused by someone else who also has insurance, which type of insurance plan will not require you to pay out of pocket costs?
A.) High deductible plan
B.) Low deductible plan
C.) Either A or B
D.) Neither A nor B

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Either A or B


Question: The Texas Safety Responsibility Law requires Texas drivers to _____________________.
A. Wear seatbelts
B. Carry an automobile liability insurance policy
C. Have their vehicle inspected
D. Not litter

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Carry an automobile liability insurance policy

EXPLANATION: Texas law requires any driver operating a motor vehicle in the state to have a minimum amount of auto liability insurance coverage

The purpose of the Texas Safety Responsibility Law (n/k/a the Motor Vehicle Safety Responsibility Act) is to promote safe driving practices among all owners and operators of motor vehicles using the highways of this State, and to require such owners and operators to discharge their financial responsibility to others for damage to persons or property occasioned by the exercise, by such owner or operator, of the privilege or license of using the public highways of this State. Gonzalez v. Texas Department of Public Safety, 340 S.W.2d 860, 863 (Tex.Civ.App.-El Paso 1960, no writ). Under the Act, the owner/operator of an automobile is required to establish financial responsibility, such as an automobile liability insurance policy, before operating a vehicle on Texas highways.

Texas Safety Responsibility Law requires auto liability of insurance coverage that provides property, liability and medical coverage. i.e. minimum liability coverage at $20,000 for one person's injuries or death; medical coverage at $40,000 for the injury or death of two or more people; and property coverage at $15,000 for property damage.


Question: In Texas, the minimum amount of insurance coverage required is:
A.) 5/10/15
B.) 10/20/10
C.) 30/60/25
D.) No minimum insurance coverage is required

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30/60/25


Question: Every vehicle operated on Texas roadways must be covered by _________ insurance through a company that is authorized to do business in Texas.
A.) Liability
B.) Deductible
C.) Premium
D.) Comprehensive

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Liability

The purpose of driving safety program is to increase road safety awareness by reducing traffic violations and to keep your auto insurance premiums low. Handle Speeding ticket, stop sign citation, lawyer for fighting traffic tickets & other violations.



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