New York Permit Test: Insurance & Collisions Practice Questions

Correct answer: $10,000

Minimum liability is $25,000/$50,000 for injury, $50,000/$100,000 for death, and $10,000 for property damage.

Source: Chapter 3: Owning a Vehicle – Insurance

Correct answer: $25,000

New York requires $25,000 for injury to one person and $50,000 for injury to two or more.

Source: Chapter 3: Owning a Vehicle – Insurance

Correct answer: Turn in your plates at a DMV office before it lapses

Return the plates before coverage ends and get receipt FS-6T; otherwise you face civil penalties, and after 90 uninsured days your license is suspended.

Source: Chapter 3: Owning a Vehicle – Insurance

Correct answer: 90 days

If a vehicle is uninsured for 90 days and the plates were not surrendered, the owner's license is suspended too.

Source: Chapter 3: Owning a Vehicle – Insurance

Correct answer: License revoked for at least one year

Driving an uninsured vehicle, or a crash without insurance, means a revocation of at least one year and a $750 civil penalty.

Source: Chapter 2: How to Keep Your License – Mandatory Suspension or Revocation

Correct answer: $750

Operating without insurance, or a crash without insurance, carries a $750 civil penalty before relicensing.

Source: Chapter 2: How to Keep Your License – Fees and Civil Penalties

Correct answer: Two: one to register the vehicle, one to keep in it

You get two insurance ID cards; present one when registering and keep the second in the vehicle.

Source: Chapter 3: Owning a Vehicle – Registration and Title

Correct answer: Try to locate the owner or notify the police

If a parked vehicle or other property is damaged, or a domestic animal injured, you must try to find the owner or notify police.

Source: Chapter 12: If You Are in a Traffic Crash – At the Scene

Correct answer: A criminal violation

Leaving the scene of a property-damage crash is a traffic violation; leaving one with injury or death is a criminal violation.

Source: Chapter 12: If You Are in a Traffic Crash – At the Scene

Correct answer: Name, address, license number, registration and insurance details

Exchange your name, address, license number, registration, and insurance information including policy number and effective date.

Source: Chapter 12: If You Are in a Traffic Crash – At the Scene

Correct answer: When anyone is hurt or killed, or damage to one person's property is $1,000+

Report any crash involving injury or death, or $1,000 or more damage to any one person's property, using form MV-104.

Source: Chapter 12: If You Are in a Traffic Crash – Reports to DMV

Correct answer: 10 days

File the report with DMV within 10 days; reporting to your insurer does not satisfy this, and failing to report is a misdemeanor.

Source: Chapter 12: If You Are in a Traffic Crash – Reports to DMV

Correct answer: No, you must also report to the DMV

Reporting to your insurer does not end your legal obligation; you must file with DMV within 10 days.

Source: Chapter 12: If You Are in a Traffic Crash – Reports to DMV

Correct answer: Only if fire or another life-threatening danger makes it necessary

Don't move an injured person unless fire or other life-threatening danger requires it; then keep the back and neck straight.

Source: Chapter 12: If You Are in a Traffic Crash – Emergency First-Aid

Correct answer: Stay inside until help arrives

If wires touch or lie near the vehicle, warn the occupants to remain inside until help arrives.

Source: Chapter 12: If You Are in a Traffic Crash – Emergency First-Aid