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North Carolina Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Every North Carolina topic, mock exams and your progress, right here or in the app.
Question 1
When must a crash be reported immediately to law enforcement in North Carolina?
Never, if the drivers agree to settle it
When anyone is killed or injured, or damage appears to be $1,000 or more
Only if someone is killed, or if total damage is more than $5,000
Only when an insurance company asks
Correct answer: When anyone is killed or injured, or damage appears to be $1,000 or more
Report immediately when anyone is killed or injured, or total damage appears to be $1,000 or more.
Source: Chapter 4 β Your Driving: Crashes
Question 2
After a highway crash with no injuries, if the cars can be driven safely, what should you do?
Drive away
Push them into the median
Move them out of the travel lane onto the shoulder
Leave them exactly where they stopped until police measure the scene
Correct answer: Move them out of the travel lane onto the shoulder
With no injuries or fatalities, move vehicles out of the travel lane onto the shoulder if they can be driven safely.
Source: Chapter 4 β Your Driving: Crashes
Question 3
Which information must you give others involved in a crash?
Name, address, license number, registration number and insurer
Your Social Security number
Your employer's name and address
Only your first name and a phone number, nothing more
Correct answer: Name, address, license number, registration number and insurer
Provide your name, address, driver license number, vehicle registration number and insurance company name.
Source: Chapter 4 β Your Driving: Crashes
Question 4
Does North Carolina law protect people who stop to give aid at a crash?
Only police are protected
No; anyone who stops to help can always be sued for any damages
Yes, from civil liability except for intentional wrongdoing
Only doctors are protected
Correct answer: Yes, from civil liability except for intentional wrongdoing
The law protects people who render aid from civil liability, except for intentional wrongdoing or unruly conduct.
Source: Chapter 4 β Your Driving: Crashes
Question 5
What are North Carolina's minimum liability insurance amounts for a private vehicle?
$15,000 / $30,000 / $5,000
$25,000 / $50,000 / $10,000
$50,000 / $100,000 / $50,000
$30,000 / $60,000 / $25,000
Correct answer: $30,000 / $60,000 / $25,000
Minimums: $30,000 per person injured, $60,000 per crash for injuries, and $25,000 for property damage.
Source: Chapter 7 β How DMV Serves You
Question 6
If DMV learns a vehicle is operated without proper liability insurance, what can happen to its plate?
It is suspended for one day and then returned automatically to you by mail
Nothing happens to the plate
It is replaced for free
It could be revoked for 30 days unless continuous coverage is proven
Correct answer: It could be revoked for 30 days unless continuous coverage is proven
The license plate could be revoked for 30 days unless proof of continuous coverage is provided; a fine or penalty may also apply.
Source: Chapter 7 β How DMV Serves You
Question 7
Does North Carolina honor an insurance grace period for a registered vehicle?
Yes, until the next renewal
Yes, 10 days
Yes, 30 days
No
Correct answer: No
North Carolina does not honor a grace period; that's only an agreement between the insured and the insurer.
Source: Chapter 7 β How DMV Serves You
Question 8
Before canceling your liability insurance, what should you do to avoid a fine?
Nothing
Sell the car
Notify the police in writing and keep the plate on the car
Surrender the vehicle's license plate
Correct answer: Surrender the vehicle's license plate
To avoid a fine or penalty, surrender the license plate before liability insurance ends.
Source: Chapter 7 β How DMV Serves You
Question 9
How often must vehicles registered in North Carolina be inspected?
Every five years
Every two years
Annually
Only when sold
Correct answer: Annually
All motor vehicles registered in North Carolina must be inspected annually; inspection may be done up to 90 days before the tag expires.
Source: Chapter 7 β How DMV Serves You
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