Massachusetts Permit Test: Insurance & Collisions Practice Questions

Correct answer: Five days

You must file a written crash report within five days for any crash causing injury, death or $1,000 or more in property damage, with the RMV, local police and your insurer.

Source: Chapter 5: Special Driving Situations – Reporting a Crash

Correct answer: No; also file with the RMV and police

Just reporting a crash to your insurance company is not enough; send copies to the local police department and the RMV as well.

Source: Chapter 5: Special Driving Situations – Reporting a Crash

Correct answer: Move them out of travel lanes

If there are no injuries, the Driver Removal Law requires that vehicles be moved out of travel lanes to a safe place.

Source: Chapter 5: Special Driving Situations – If You Are Involved in a Crash – Property Damage Only

Correct answer: Notify the local police

If you damage a parked vehicle or other property, you must try to locate the owner or notify the local police. Leaving the scene without identifying yourself is a crime.

Source: Chapter 5: Special Driving Situations – If You Are Involved in a Crash

Correct answer: 200 feet or more each way

If anyone has flares, triangles or reflectors, place them 200 feet or more in front of and behind the crash to warn other drivers.

Source: Chapter 5: Special Driving Situations – If You Witness a Crash

Correct answer: Only if life is at risk, supporting head and spine

Don't move an injured person unless absolutely necessary; if you must because of a life-threatening situation, fully support the head and spine.

Source: Chapter 5: Special Driving Situations – Emergency First Aid Tips

Correct answer: Insurer finds fault and pays over $1,000

You are more than 50% at fault if your insurer finds you at fault under one of the 19 Standards of Fault and has paid more than $1,000 for damage or bodily injury.

Source: Chapter 3: Keeping Your License – At-Fault Crashes

Correct answer: Hitting the car ahead from behind

Rear-ending another vehicle is one of the Standards of Fault, along with collisions while backing, on the wrong side of the road and while merging into a rotary.

Source: Chapter 3: Keeping Your License – At-Fault Crashes – Standards of Fault

Correct answer: Driver Retraining within 90 days or suspension

Three surchargeable events in two years require you to complete the Massachusetts Driver Retraining Course within 90 days, or your license will be suspended until you do.

Source: Chapter 3: Keeping Your License – Surchargeable Events

Correct answer: An automatic 60-day suspension

Seven surchargeable events within a three-year period bring an automatic 60-day license suspension.

Source: Chapter 3: Keeping Your License – Surchargeable Events

Correct answer: Habitual Traffic Offender; four years

Three major moving violations, or any twelve major or minor violations, within five years make you a Habitual Traffic Offender with a four-year suspension.

Source: Chapter 3: Keeping Your License – Mandatory License Suspensions – Habitual Traffic Offender

Correct answer: Your driving record

Under SDIP, run by the Merit Rating Board, your premium is based on your driving record: it can go down if you drive safely and rises with moving violations or at-fault crashes.

Source: Chapter 3: Keeping Your License – Surchargeable Events

Correct answer: 20 days

You have 20 days to pay a civil motor vehicle infraction or request a hearing; otherwise you are found responsible and charged a large late fee.

Source: Chapter 3: Keeping Your License – Civil Motor Vehicle Infractions

Correct answer: As if they occurred in Massachusetts

Out-of-state violations affect your record just as if they occurred in Massachusetts, and the RMV applies Massachusetts suspension rules to them.

Source: Chapter 3: Keeping Your License – Out-of-State Violations

Correct answer: $25,000/$50,000 and $30,000

The manual lists Massachusetts minimum limits as $25,000/$50,000 for bodily injury and $30,000 for property damage (stated where it explains insurance proof for out-of-state test vehicles).

Source: Chapter 1: Obtaining Your License – Passenger Vehicle Requirements