Missouri Permit Test: Insurance & Collisions Practice Questions

Correct answer: $25,000 / $50,000 bodily injury; $25,000 property damage

Missouri requires at least $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 per crash for property damage.

Source: Chapter 13: Mandatory Insurance – Minimum Coverage Requirements

Correct answer: Uninsured motorist coverage

Missouri also requires uninsured motorist coverage of $25,000 per person and $50,000 per crash for bodily injury.

Source: Chapter 13: Mandatory Insurance – Minimum Coverage Requirements

Correct answer: You will receive a ticket

You must keep proof of insurance in your vehicle; failing to show it when an officer asks results in a ticket.

Source: Chapter 13: Mandatory Insurance – Maintaining Your Insurance

Correct answer: An insurance ID card on your phone

Accepted proof includes an insurance ID card (paper or on a hand-held electronic device), a policy or binder, or a paid receipt showing policy information.

Source: Chapter 13: Mandatory Insurance – The Basics

Correct answer: Three years

Each insurance suspension requires a reinstatement fee and filing proof of insurance for three years.

Source: Chapter 13: Mandatory Insurance – Failure to Keep Insurance

Correct answer: 90-day suspension, $200 fee, 3 years of proof

Two suspensions within two years bring a 90-day suspension, a $200 fee and three years of proof of insurance; a third brings one year and $400.

Source: Chapter 13: Mandatory Insurance – Failure to Keep Insurance

Correct answer: Your license and/or plates are suspended for a year

If you are at fault and do not pay for the damages, your license and/or plates are suspended for one year unless you settle and pay a $20 fee.

Source: Chapter 13: Mandatory Insurance – Failure to Pay for Damages Caused in a Traffic Accident

Correct answer: Leave the scene

Even if you hit a parked vehicle, do not leave; leaving the scene of a traffic crash is a crime.

Source: Chapter 13: Mandatory Insurance – Traffic Crashes

Correct answer: Move your vehicle off the roadway

For minor, non-injury crashes, vehicles must be moved off the road ("steer it and clear it") to prevent secondary crashes.

Source: Chapter 13: Mandatory Insurance – "Steer It and Clear It"

Correct answer: Help, but do not move them, and call an ambulance

Help the injured person and make them comfortable without moving them, and call an ambulance.

Source: Chapter 13: Mandatory Insurance – Traffic Crashes

Correct answer: Names, addresses, license, VIN, plate, and insurance details

Exchange names, addresses, license numbers, VINs, plate numbers, and insurance company and policy numbers.

Source: Chapter 13: Mandatory Insurance – Traffic Crashes

Correct answer: 30 days

When a report is required, state law says it must be filed within 30 days.

Source: Chapter 13: Mandatory Insurance – Filing an Accident Report

Correct answer: When someone was uninsured and there was injury, death, or over $500 damage

A report is required when the crash was in Missouri within the last year, someone was uninsured, and there was over $500 in property damage or any injury or death.

Source: Chapter 13: Mandatory Insurance – Filing an Accident Report

Correct answer: When a law enforcement officer says you may

Stay at the crash scene until a law enforcement officer says you may leave.

Source: Chapter 13: Mandatory Insurance – Traffic Crashes