★ Motor vehicle insurance, Financial Responsibility -Defensive Driving, Drivers Ed Test Answers

The Financial _________ Law requires owners and operators of motor vehicles to be financially responsible for damages they cause when involved in a crash.
A.) Responsibility
B.) Morality
C.) Involvement
D.) Duty

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Responsibility

If you are involved in a violation and you do not have insurance to comply with the __________________, your driver license and/or license plates will be suspended for up to three years.
A.) DMV
B.) Driver Safety Law
C.) Federal requirement
D.) Financial Responsibility Law

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Financial Responsibility Law

True or False: If you are in crash where you are at fault and injuries have occurred, the Financial Responsibility Law requires you to have bodily injury insurance.
A.) TRUE
B.) FALSE

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TRUE

The minimum amount of liability coverage you must have for bodily injury or death of two or more people in any one collision is _____.
A.) $15,000
B.) $25,000
C.) $30,000
D.) $50,000

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$25,000

You should contact this state agency if you have questions regarding an insurance company.
A.) Bureau of Motor Vehicles
B.) Department of Insurance
C.) Department of Revenue
D.) Department of Transportation

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Department of Insurance

The five steps to take if you are involved in an accident are: stop, give help, report the crash, exchange information, and _______.
➜ The five steps to take if you are involved in an accident are: stop, help, report, exchange information, and _______.
A.) notify insurance
B.) fix your vehicle
C.) call the police
D.) none of the above

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notify insurance

To operate a vehicle, you must have proof of financial _____.
A.) solvency
B.) responsibility
C.) security
D.) hardship
E.) assets

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responsibility

The __________ Law requires owners and operators of motor vehicles to be financially responsible for damages and/or injuries they may cause to others when a motor vehicle crash happens.
A.) Zero-Fault
B.) No-Fault
C.) Financial Responsibility
D.) Fiscal Accountability

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Financial Responsibility

Explanation: This Financial Responsibility law requires any person to have bodily injury liability insurance at the time of the following:
1. A citation for DUI, which results in a revocation.
These cases require the following minimum insurance coverage:
$300,000 Bodily Injury Liability to two or more persons.
$50,000 Property Damage Liability (PDL)
If you do not have the required insurance to comply with the Financial Responsibility Law, your driver license and/or license plates will be suspended for up to three years. You will have to pay a reinstatement fee and show the department certified proof of full liability insurance on Form FR-44 for three years from the original suspension date to get your driving privilege back.
2. A suspension for excessive points against your driver license.
3. A crash where you are at fault and injuries have occurred.
4. A revocation for Habitual Traffic Offender.
5. A revocation for any serious offense where this department is required to revoke your license.
The cases listed above (excluding DUI) must have the following minimum insurance coverage:
$10,000 Bodily Injury Liability (BIL) (to one person).
$20,000 Bodily Injury Liability to two or more persons.
$10,000 Property Damage Liability (PDL), or
$30,000 Combined single limits.
If involved in any of the above violations (excluding DUI) and you do not have insurance to comply with the Financial Responsibility Law, your driver license and/or license plates will be suspended for up to three years. You will have to pay a $15 reinstatement fee and show the department certified proof of full liability insurance on Form SR-22 for three years from the original suspension date to get your driving privilege back.
In addition, if you are the driver or the owner of a vehicle which is in a crash that is your fault, this department can require you to pay for the damages before your driving privilege is reinstated.
Under this law, to protect yourself and others, you should have liability insurance on any motor vehicle you own or drive, including motorcycles.

An anti-theft device such as _____ can lower your insurance premium.
A.) seatbelts
B.) airbags
C.) lo-jack
D.) headrests

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lo-jack


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

This type of insurance coverage pays the medical bills for you and others who are covered by your policy, regardless of who was at fault.
A.) Property damage liability.
B.) Bodily injury liability.
C.) Medical benefits coverage.
D.) Comprehensive physical damage.

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Medical benefits coverage.

According to the Insurance Institute for Highway Safety, whiplash injuries in the US due to front or rear crashes cost more than __________ billion dollars a year.
A.) 2
B.) 4
C.) 6
D.) 8

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8

According to the Insurance Institute for Highway Safety, __________ injuries, the most common injury in the US due to front or rear crashes cost more than 8.8 billion dollars a year.
A.) internal
B.) head trauma
C.) whiplash
D.) none of the above

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whiplash

According to the Insurance Institute for Highway Safety, whiplash injuries, due to front end or rear crashes cost more the 7 billion US dollars a year.
A.) TRUE
B.) FALSE

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True

According to the Insurance Institute for Highway Safety, neck strains and sprains are the most serious injury reported in __________ of auto insurance claims.
A.) 10 to 20%
B.) 20 to 30%
C.) 30 to 40%

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30 to 40%

Source: http://florida.way2trafficschool.com/p/driver-license-revocation-suspension.html

The Florida No-Fault Law states drivers must have insurance policies with a minimum of $10,000 for Personal Injury Protection (PIP) and $10,000 for Property Damage Liability (PDL.)
A.) TRUE
B.) FALSE

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TRUE

In Florida, you are required to have the following motor vehicle insurance:
A.) Financial Responsibility Law
B.) No-Fault Law
C.) Homeowner's Insurance
D.) A and B only

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A and B only

You will be issued a Florida ______________ from your insurance company.
A.) Driver license
B.) Insurance I.D. Card
C.) Driver certification
D.) Social Security Card

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Insurance I.D. Card

Under Florida’s “Financial Responsibility Law” every car registered in Florida must be covered by an insurance policy purchased from a company licensed in Florida.
A.) TRUE
B.) FALSE

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TRUE

You have been outside of Florida for an extended period of time without your car. Since the car was kept securely in your locked garage, you did not need to purchase insurance for the vehicle.
A.) TRUE
B.) FALSE

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FALSE

Explanation: The statement is FALSE. You are required to maintain insurance on any car registered in Florida.

You will be required to maintain insurance liability limits which are higher than the normal minimums required in Florida if you:
A.) Are over 70 years old
B.) Are under 21 years old
C.) Have been convicted of Driving Under the Influence (DUI)

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Have been convicted of Driving Under the Influence (DUI)

In the State of Florida you must carry which of the following insurances?
ANS: c. Both a and b are correct

The minimum coverages on automobile insurance in Florida are _____________ each.
ANS: $10,000.00

What type of insurance must you have on motor vehicles with four or more wheels?
A.) No insurance
B.) Bodily injury liability
C.) Property Damage Liability only
D.) Personal injury protection only
E.) Personal injury protection (pip) & Property damage liability (pdl)

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Personal injury protection (pip) & Property damage liability (pdl)

Explanation: The Florida No-Fault Law requires owners of motor vehicles with four or more wheels (excluding taxis and limousines) that have been in the state for at least 90 consecutive or non-consecutive days during the past 365 days to purchase a policy delivered or issued for delivery in this state. The minimum coverage is: • $10,000 of Personal Injury Protection (PIP)
• $10,000 of Property Damage Liability (PDL)

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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