Florida Permit Test: Insurance & Collisions Practice Questions

Correct answer: $10,000 PIP and $10,000 Property Damage Liability

Florida requires at least $10,000 PIP and $10,000 PDL, maintained continuously while the vehicle is registered.

Source: Chapter 3: Your Driving Privilege – Insurance Laws (No-Fault Law)

Correct answer: Your own injuries in a crash, whoever caused it

PIP pays for your injuries regardless of fault; PDL pays for damage you cause to other people's property.

Source: Chapter 3: Your Driving Privilege – Insurance Laws (No-Fault Law)

Correct answer: Once it has been in Florida 90 days in the last 365

A vehicle in Florida for 90 days, consecutive or not, within the past 365 days must carry Florida PIP and PDL.

Source: Chapter 3: Your Driving Privilege – Insurance Laws (No-Fault Law)

Correct answer: Turn in the license plate before canceling the insurance

Turning in the plate before canceling coverage prevents a license suspension and reinstatement fees.

Source: Chapter 3: Your Driving Privilege – Insurance Laws (No-Fault Law)

Correct answer: $100,000/$300,000 bodily injury and $50,000 property damage

A DUI conviction requires higher coverage—$100,000 per person, $300,000 per crash in BIL and $50,000 PDL—for three years.

Source: Chapter 3: Your Driving Privilege – Financial Responsibility Law

Correct answer: Move the car out of traffic or have it moved

If the crash is minor and your car blocks traffic, you must move it or have it moved, then exchange information.

Source: Chapter 9: Handling Emergencies – Your Responsibilities After a Crash

Correct answer: Send a written report to FLHSMV within 10 days

When no officer's report is required, you must make a written report to FLHSMV within 10 days.

Source: Chapter 9: Handling Emergencies – Your Responsibilities After a Crash

Correct answer: If a car must be towed, anyone is hurt or killed, or DUI is charged

Officers write the report for crashes with a DUI charge, death, injury or damage requiring a tow.

Source: Chapter 9: Handling Emergencies – Your Responsibilities After a Crash

Correct answer: Leave a note with your name, contact, and plate, and tell police

Try to find the owner, notify law enforcement, and leave a note with your name, contact information and license plate number.

Source: Chapter 9: Handling Emergencies – Your Responsibilities After a Crash

Correct answer: A first-degree felony with at least 4 years in prison

Hit-and-run causing death is a first-degree felony with at least 4 years in prison and at least 3 years without a license.

Source: Chapter 9: Handling Emergencies – Stay at the Scene (Hit and Run Penalties)

Correct answer: 3 years

Leaving the scene of a crash with injury or death includes losing your license for at least 3 years.

Source: Chapter 9: Handling Emergencies – Stay at the Scene (Hit and Run Penalties)

Correct answer: A Traffic Collision Avoidance (driver improvement) course

Being at fault in a crash where someone is transported for treatment, or a second crash in two years, requires a Traffic Collision Avoidance Course.

Source: Chapter 3: Your Driving Privilege – Traffic Crashes