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Delaware Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Question 1
When must a Delaware crash be reported to police?
Only if someone is killed in the crash itself
Only when total damage is over $10,000
Injury, death, or $500+ damage on a public highway
Never, if both drivers agree to settle privately
Correct answer: Injury, death, or $500+ damage on a public highway
Report immediately when the crash causes injury or death, or $500+ property damage on a public highway (or $1,000+ if a driver appears impaired).
Source: Section Five – Crashes
Question 2
After a crash with no injuries where your car blocks traffic, what must you do?
Leave it in place until police arrive
Make every reasonable effort to move it
Wait for a tow truck no matter what
Walk away and report it the next day
Correct answer: Make every reasonable effort to move it
If no one is hurt and the damaged vehicle obstructs traffic, the driver must make every reasonable effort to move it.
Source: Section Five – Crashes
Question 3
When should you move an injured person after a crash?
Always, right away, so they are out of the road
Never, even if a fire or traffic threatens them
Only if they ask you to help them sit up or stand
Only if in a burning car or immediate danger
Correct answer: Only if in a burning car or immediate danger
Do not move the injured unless they are in a burning vehicle or other immediate danger.
Source: Section Five – Crashes
Question 4
Should you give an injured crash victim water?
No, nothing to drink
Yes, a little
Yes, if they ask
Only cold water
Correct answer: No, nothing to drink
Do not give injured persons anything to drink, not even water; cover them to help prevent shock.
Source: Section Five – Crashes
Question 5
How can you slow severe bleeding at a crash scene?
Apply direct pressure to the wound
Pour clean water over the wound
Raise the person’s head only
Do nothing until the ambulance arrives
Correct answer: Apply direct pressure to the wound
Apply pressure directly on the wound with your hand or a cloth.
Source: Section Five – Crashes
Question 6
You hit a parked car and can’t find the owner. What should you do?
Drive away, since the owner is not around
Wait about 5 minutes, then leave with no note
Call only your own insurer later that day
Leave a visible note with contact info and time
Correct answer: Leave a visible note with contact info and time
Try to find the owner; if you can’t, leave a visible note with how to reach you and the date and time of the crash.
Source: Section Five – Crashes
Question 7
What information must Delaware drivers exchange after a crash with damage or injury?
Only phone numbers, so insurers can call each other later
Only first names, since other details are private by law
Name, address, registration, license and insurance
Nothing, because police collect all of that information
Correct answer: Name, address, registration, license and insurance
Provide your name, address, vehicle registration number, driver license number, insurance company and policy number.
Source: Section Five – Crashes
Question 8
Should you stop to look at a crash you are not involved in?
Yes, always
No, keep moving
Yes, to take photos
Only at night
Correct answer: No, keep moving
Do not stop at a crash unless involved or help hasn’t arrived; never drive to a scene just to look.
Source: Section Five – Crashes
Question 9
At a crash scene with downed power lines in the road, what should you do?
Move them aside with a stick
Drive over them
Stay away from them
Touch them to test
Correct answer: Stay away from them
If there are power lines down with wires in the road, do not go near them.
Source: Section Five – Crashes
Question 10
What is the minimum PIP coverage per person in Delaware?
$15,000
$5,000
$50,000
$100,000
Correct answer: $15,000
PIP minimum is $15,000 for any one person and $30,000 for all persons injured in one crash.
Source: Section Three – Title/Registration and Insurance
Question 11
What is the penalty for providing false proof of insurance in Delaware?
A written warning mailed to the vehicle owner
An extra $500 fine and/or 30 days in jail
A $10 administrative fee with no other penalty
Nothing, as long as you buy real insurance later
Correct answer: An extra $500 fine and/or 30 days in jail
Providing false proof of insurance brings an additional $500 fine and/or 30 days in jail.
Source: Section Three – Title/Registration and Insurance
All Delaware practice
Other topics
Signals & Pavement Markings
Right-of-Way
Speed Limits
Turning
Lanes & Passing
Parking
Alcohol & Drugs
Safe Driving
Emergencies
Sharing the Road
Licensing
Teen & Provisional Drivers
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