Ohio Permit Test: Insurance & Collisions Practice Questions

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

Minimums: $25,000 for one person's injury or death, $50,000 for two or more, and $25,000 property damage.

Source: Section 6: State Laws and Penalties – Insurance / Financial Responsibility

Correct answer: When ticketed, at inspection stops, in traffic court, and after crashes over $400

Proof is required when ticketed, at vehicle inspection stops, at traffic court and when involved in a crash with more than $400 damage.

Source: Section 6: State Laws and Penalties – Insurance / Financial Responsibility

Correct answer: No

It is illegal to drive without insurance and illegal for an owner to allow anyone else to drive the vehicle uninsured.

Source: Section 6: State Laws and Penalties – Insurance / Financial Responsibility

Correct answer: Six

Six points in two years bring a warning letter; 12 or more bring a 12-point suspension.

Source: Section 6: State Laws and Penalties – Penalties

Correct answer: 12 or more

12 or more points in two years bring a 12-point suspension; reinstatement requires a remedial course, an SR-22 and fees.

Source: Section 6: State Laws and Penalties – Penalties

Correct answer: A form proving your insurance meets minimum liability

An SR-22 is a certificate of financial responsibility filed with the state—not a type of insurance.

Source: Section 6: State Laws and Penalties – Penalties

Correct answer: 6

6 points apply to failure to stop and disclose identity after a crash among other serious acts; 4 for willful or wanton disregard; 2 for most moving violations.

Source: Section 6: State Laws and Penalties – Penalties

Correct answer: A first-degree misdemeanor, fine up to $1,000, possible extra one-year suspension

Driving under suspension is a first-degree misdemeanor with up to a $1,000 fine and possibly another one-year suspension.

Source: Section 6: State Laws and Penalties – Penalties

Correct answer: Fault or insurance coverage

Exchange information but do not discuss fault or insurance coverage.

Source: Section 10: Emergency Situations

Correct answer: Report it to police or leave your information at the scene

If you hit an unattended vehicle, you must report the crash to police or leave the necessary information at the scene.

Source: Section 10: Emergency Situations

Correct answer: Six months

A driver may file form BMV 3303 within six months if damage exceeded $400 or someone was hurt and the other party had no insurance.

Source: Section 10: Emergency Situations

Correct answer: Call 911, don't move them, and keep them warm

Call 911 if anyone is injured, do not move the injured, and keep them warm.

Source: Section 10: Emergency Situations

Correct answer: Pull right, park, turn off the engine, stay inside with hands on the wheel

Pull over, shift to PARK, turn off the ignition, lower the window, stay in the car with your belt on and hands on the wheel, and tell the officer about any weapon.

Source: Section 7: Special Driving Situations

Correct answer: Upon first contact

If you have a weapon in the vehicle, inform the officer upon first contact.

Source: Section 7: Special Driving Situations