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Pennsylvania Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Question 1
If PennDOT finds your vehicle was uninsured for 31 days or more, what happens?
Registration suspended 1 year
Registration suspended 3 months
A warning letter, as long as insurance is bought later
A $50 fine only
Correct answer: Registration suspended 3 months
Lapses of 31 days or longer bring a 3-month registration suspension, and a 3-month license suspension if you drove or allowed driving uninsured.
Source: Chapter 4 β Suspensions and Revocations; Driving Without Insurance
Question 2
Pennsylvania law requires automobile liability insurance on your registered vehicle:
Only in winter
Only if it is financed
At all times
Only when driving it
Correct answer: At all times
You must maintain liability insurance on your registered vehicle at all times.
Source: Chapter 4 β Suspensions and Revocations; Driving Without Insurance
Question 3
When must you call police after a crash?
Only if you think you were the one at fault
If anyone is hurt or killed, or a vehicle must be towed
Only on highways
Never; exchange information only
Correct answer: If anyone is hurt or killed, or a vehicle must be towed
Call police if anyone is injured or dies, or if any vehicle needs to be towed.
Source: Chapter 4 β Crashes
Question 4
If police don't investigate a crash with injury, death or a towed vehicle, when must you send form AA-600 to PennDOT?
Within 5 days
Within 24 hours
Within 10 days
Within 30 days
Correct answer: Within 5 days
Send a Driver's Accident Report (AA-600) within five days if police do not investigate such a crash.
Source: Chapter 4 β Crashes
Question 5
You hit a parked car and can't find the owner. What must you do?
Leave, since no one was hurt
Report it only to your insurer
Wait one hour, then leave
Leave a visible note with your contact information and call police
Correct answer: Leave a visible note with your contact information and call police
Try to find the owner; if you can't, leave a visible note with date, time, your name and phone number, and call the police.
Source: Chapter 4 β Crashes
Question 6
After a crash, what information should you get from the other drivers?
Only their license plate, since police handle the rest
Only their phone numbers
Nothing if damage is minor
Names, addresses, phones, registration and insurance details
Correct answer: Names, addresses, phones, registration and insurance details
Get names and addresses, phone numbers, registration numbers, and insurance company names and policy numbers, plus witness names.
Source: Chapter 4 β Crashes
Question 7
Should you stop at a crash scene you are not involved in?
Yes, to direct traffic
Never under any circumstances
Always, to look
Only if emergency help has not yet arrived
Correct answer: Only if emergency help has not yet arrived
Don't stop unless you are involved or emergency help hasn't arrived; keep moving and don't block rescue vehicles.
Source: Chapter 4 β Crashes
Question 8
After a minor crash, if you can, what should you do with your vehicle?
Move it off the road so it doesn't block traffic
Drive home and report later
Leave it exactly where it stopped until police arrive
Turn off all lights
Correct answer: Move it off the road so it doesn't block traffic
Stop at or near the scene and, if you can, move off the road; many crashes happen when traffic slows for an initial crash.
Source: Chapter 4 β Crashes
Question 9
You are stopped by police at night. What should you do before the officer approaches?
Unbuckle your seat belt
Get out and walk back to the police car with your papers
Turn on the interior light and keep hands on the wheel
Search for your documents
Correct answer: Turn on the interior light and keep hands on the wheel
Pull over safely, turn off the engine, turn on the interior light at night, keep hands visible on the wheel and stay inside.
Source: Chapter 4 β What To Do If You Are Stopped by the Police
Question 10
A vehicle behind you is flashing only blue lights. What does the manual say?
It is a state trooper
It is an unmarked police car
It is not a police officer
It is a fire chief you must obey
Correct answer: It is not a police officer
Police lights are red and blue, or red only on unmarked cars; a vehicle flashing only blue lights is not a police officer.
Source: Chapter 4 β What To Do If You Are Stopped by the Police
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