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Nevada Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Question 1
What are Nevada's minimum liability insurance limits?
$25,000 / $50,000 / $20,000
$10,000 / $20,000 / $10,000
$15,000 / $30,000 / $5,000
$50,000 / $100,000 / $50,000
Correct answer: $25,000 / $50,000 / $20,000
Minimum coverage is $25,000 for one person's injury or death, $50,000 for two or more, and $20,000 for property damage.
Source: Chapter 8: Insurance and Financial Responsibility
Question 2
Within how many days must you file an SR-1 crash report if police didn't investigate and damage is $750+?
30 days
10 days
72 hours
60 days
Correct answer: 10 days
If police don't investigate and the crash causes $750 or more in damage or any injury, send a Report of Crash Form (SR-1) within 10 days.
Source: Chapter 8: Insurance and Financial Responsibility
Question 3
What can happen if your Nevada registration is suspended for an insurance lapse?
Reinstatement fee and fines of $250 up to $1,750
A free extension to buy insurance
Nothing
A $10 fine
Correct answer: Reinstatement fee and fines of $250 up to $1,750
You pay a reinstatement fee and fines from $250 up to $1,750 per vehicle; an SR-22 or 30-day license suspension may also apply.
Source: Chapter 8: Insurance and Financial Responsibility
Question 4
How must Nevada drivers carry the Evidence of Insurance Card?
In the vehicle or on a mobile device
Filed with the DMV and kept safely at home
At home only
It's not required
Correct answer: In the vehicle or on a mobile device
The Evidence of Insurance Card must be carried in the vehicle or available electronically on a mobile device.
Source: Chapter 8: Insurance and Financial Responsibility
Question 5
What is Nevada's NV LIVE program?
A live traffic camera network
A DMV appointment system
A mobile app that tracks teen drivers
An electronic system to identify uninsured vehicles
Correct answer: An electronic system to identify uninsured vehicles
NV LIVE (Liability Insurance Validation Electronically) works with insurers to identify registrations with terminated or lapsed coverage.
Source: Chapter 8: Insurance and Financial Responsibility
Question 6
In a fender bender with no injuries, what should you do with movable vehicles?
Move to a spot that doesn't block traffic, then return
Wait for a tow
Leave them in the lane
Drive home and call the other driver later
Correct answer: Move to a spot that doesn't block traffic, then return
If there's only property damage and the vehicle can be moved safely, move to a location that doesn't obstruct traffic and return to the scene.
Source: Chapter 8: Insurance and Financial Responsibility – What to Do in a Crash
Question 7
What information must you exchange with other drivers after a Nevada crash?
Only plate colors
Only phone numbers
Name, address, license number, registration and insurance
Nothing
Correct answer: Name, address, license number, registration and insurance
Exchange your name, address, driver license number, registration and insurance information.
Source: Chapter 8: Insurance and Financial Responsibility – What to Do in a Crash
Question 8
What can happen if you don't report a crash to the Nevada DMV when required?
License and/or registration suspension
A thank-you letter
Nothing
A free defensive driving class
Correct answer: License and/or registration suspension
If you do not report a crash to the DMV, your license and/or registration may be suspended.
Source: Chapter 8: Insurance and Financial Responsibility
Question 9
An uninsured driver has a crash with more than $750 in damage. What happens in Nevada?
A warning letter
Points only
Nothing, as long as the driver wasn't at fault
License and registration are suspended
Correct answer: License and registration are suspended
If a crash causes more than $750 in damage and you have no liability insurance, your license and registration are suspended.
Source: Chapter 11: License Suspensions and Revocations
Question 10
You cancel your Nevada insurance and don't get new coverage. What must you do?
Wait 30 days
Only notify your insurer within 30 days
Nothing
Cancel the registration and surrender plates the same day
Correct answer: Cancel the registration and surrender plates the same day
If you cancel Nevada insurance without new coverage, cancel the registration and surrender the plates on the same day.
Source: Chapter 12: New Resident Vehicle Registration Requirements
Question 11
Is out-of-state insurance accepted for a Nevada registration?
Yes, for one year
Yes, always
No
Only from neighboring states
Correct answer: No
Out-of-state insurance is not accepted; you must notify your carrier or buy a Nevada policy.
Source: Chapter 12: New Resident Vehicle Registration Requirements
Question 12
You think a Nevada citation was wrongly issued. What should you do?
Request a court hearing, not argue at the scene
Argue with the officer until it is canceled
Tear it up
Drive away
Correct answer: Request a court hearing, not argue at the scene
Don't argue with the officer; request a hearing through the court system if you think the citation was wrong.
Source: Chapter 3: Driving Safely – What to Do if You Are Stopped by Law Enforcement
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