★ Motor Vehicle Damage, Insurance, Financial Responsibility -Defensive Driving, Drivers Ed Test Answers

Question: ___________________ provides a method of paying for loss or damage if you are involved in a collision.
A.) The DMV
B.) Your car company
C.) Insurance
D.) Restitution

Get the Correct ANSWER

Insurance

Question: If you are the driver or owner of a vehicle which is in a crash that is your fault, and you are not insured in compliance with the Financial Responsibility Law
A.) You will be placed on probation for up to 4 months.
B.) You must attend a Driver Financial Responsibility course.
C.) You may be required to pay for the damages before your driving privilege is reinstated.

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You may be required to pay for the damages before your driving privilege is reinstated.

Question: You must comply with the financial responsibility law ( prove you are insured with liability insurance) if:
A.) You are fault in an accident
B.) Your driver's license was suspended or revoked for points or habitual traffic offender
C.) You are convicted of driving under the influence of drugs or alcohol
D.) All of the above

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All of the above

Question: Require you to have insurance when you are ______________.
A.) arrested for DUI
B.) suspended for being a Habitual Traffic Offender
C.) both
D.) or

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both

Question: True or False: Your driver license and/or license plates will be suspended for a period of up to three years if you do not have the proper insurance and are involved in a collision where you are at fault and injuries have occurred.
A.) TRUE
B.) FALSE

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TRUE

Question: If you make a false statement or commit a forgery about your motor vehicle insurance you can be guilty of a ________ degree misdemeanor.
A.) Fourth
B.) Second
C.) First
D.) Third

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Second

Question: Any person who makes a false statement or commits forgery about their motor vehicle insurance can be guilty of a __________.
A.) 2nd degree misdemeanor
B.) 3rd degree misdemeanor
C.) 1st degree misdemeanor

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2nd degree misdemeanor

Question: If your driver license and license plate(s) are suspended (the first time) for not having insurance under the No-Fault Law, you will have to pay _____ and show proof of current insurance to get them back.
➜ If your driver license and license plate(s) are suspended (the first time) for not having insurance under the No-Fault Law, you will have to pay_and show proof of current insurance to get them back.
A.) $350
B.) $150
C.) $450
D.) $250

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$150

Question: If you fail to provide proof of insurance, your driver license and license plates will be suspended for up to________________.
A.) 3 years
B.) 30 days
C.) 1 year
D.) 6 months

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3 years

Question: If your driver license is revoked for DUI or suspended for too many points, what type of insurance must you either purchase or prove that you had on the date of the violation or effective date of the suspension?
A.) Bodily injury liability
B.) Property Damage Liability
C.) Personal Injury Protection

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Bodily Injury Liability

Question: Under the __________ Law, if you fail to provide proof of insurance, your driver license and license plate(s) will be suspended for up to three years.
A.) Zero-Fault
B.) No-Fault
C.) Insurance Reliability
D.) Fiscal Accountability
E.) Financial Responsibility
F.) Zero Tolerance
G.) Graduated Licensing

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No-Fault

Question: If property damage from a car crash appears to be over $__________ and no report is written by an officer, you must make a written report of the crash to the Department of Highway Safety and Motor Vehicles within 10 days.
A.) 1,000
B.) 750
C.) 500
D.) 250

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500

Explanation: 1. STOP: If you are in a crash while driving, you must stop. If anyone is hurt, you must get help. You must also be ready to give your name, address, and vehicle registration number, as well as show your driver license to others involved in the crash.
2. REPORT THE CRASH: If the crash causes injury, death, or property damage, it must be reported. Call the local police, the Florida Highway Patrol, or the county sheriff’s office. If the crash involves a charge of driving under the influence (DUI) or results in death, injury, or property damage to the extent a wrecker must tow a vehicle, the officer will fill out a report. If the crash is investigated by an officer, the driver need not make a written report. If property damage appears to be over $500 and no report is written by an officer, you must make a written report of the crash to the Department of Highway Safety and Motor Vehicles within 10 days. The officer will provide you with a copy of the form for your records.


Motor Vehicle Damage, Insurance, Financial Responsibility -Defensive Driving, Drivers Ed Test Answers: https://answers.way2trafficschool.com/2020/04/vehicle-damage-insurance-financial.html

Question: If you own a vehicle which is not covered by insurance and you or another person driving the vehicle are involved in a collision, your license may be suspended:
A.) Until you obtain coverage
B.) Until you pay for the damage
C.) For up to 5 years

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Until you pay for the damage

Explanation: Your license may be suspended indefinitely in this situation until you have paid for all damages and injuries resulting from the collision.

Question: Your license can be suspended for reasons which have nothing to do with driving or insurance violations.
A.) TRUE
B.) FALSE

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TRUE

Explanation: For example, your license can be suspended for being habitually truant from school, for failing to pay child support, or for shoplifting.

Question: You must file a traffic accident report (SR1) with the DMV after an accident when damage to one of the vehicles is over $750.00 ____.
A.) only if it is your fault
B.) only if it is your insured
C.) regardless of who is at fault
D.) only if someone in the other vehicle is injured or killed

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regardless of who is at fault

Question: If you are caught driving without liability coverage you will need to fill out an SR-22 for _____ years.
A.) 1
B.) 2
C.) 3
D.) 4

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3

Question: If you fail to carry insurance on a vehicle which is owned by you and registered in Florida, your license and/or registration can be suspended:
A.) For up to 6 months
B.) For up to 3 years
C.) Until you purchase coverage

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For up to 3 years

Explanation: The correct answer is B. In addition to having your license and/or registration suspended for up to three years, you will have to pay a reinstatement fee of up to $300 to get them back.

Question: If you won’t be using your car for a long period of time and don’t want to pay for insurance, you should:
A.) Remove the wheels and have the car set up on blocks
B.) Park the car in a secure area and disable the ignition
C.) Turn in the registration and license plates to the DMV

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Turn in the registration and license plates to the DMV

Explanation: If you are not going to carry insurance on your car, you must turn in the registration and license plates to the DMV.

Question: If you are the owner of an insured vehicle and you are injured in a collision with another insured driver who is found to be at fault, you will be covered by the other driver’s PIP policy.
A.) TRUE
B.) FALSE

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FALSE

Explanation: Everyone who has their own PIP policy will be covered by that policy if they are injured in a motor vehicle accident.

Question: “Personal Injury Protection” (PIP) insurance is considered:
A.) “No fault” insurance
B.) “Comprehensive” insurance
C.) “3rd Party” insurance

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“No fault” insurance

Explanation: PIP is a type of “no fault” insurance because everyone injured in a collision is covered by their own PIP policy, regardless of who is at fault.

Question: Personal Injury Protection (PIP) insurance covers you when you are injured in a motor vehicle accident:
A.) When you are the driver
B.) When you are the passenger
C.) Under any circumstances

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Under any circumstances

Explanation: Everyone who has their own PIP policy will be covered by that policy if they are injured in a motor vehicle accident.

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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