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Alabama Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Question 1
When should injured people at a crash scene be moved?
Always, to get them out of the car
Only if absolutely necessary, like fire danger
After 10 minutes
When they ask for water or want to stand up
Correct answer: Only if absolutely necessary, like fire danger
Avoid moving the injured unless it is absolutely necessary, such as threat of fire.
Source: Chapter 4: The Driver β What To Do If You Have a Crash
Question 2
An injury or fatal crash in a city must be reported to whom, by the quickest means?
The local police
ALEA by mail within 30 days only
The city clerk
Your insurance agent
Correct answer: The local police
An injury or fatal crash must be reported quickly to local police in a municipality, or to State Troopers on a state highway.
Source: Chapter 4: The Driver β What To Do If You Have a Crash
Question 3
When must an SR-31 crash report be sent to ALEA?
Never
Within 30 days, if the at-fault party was uninsured
Within 24 hours after every crash
Only when both parties had insurance
Correct answer: Within 30 days, if the at-fault party was uninsured
With injury, death or $500+ damage, an SR-31 must be sent within 30 days if the at-fault party was uninsured.
Source: Chapter 4: The Driver β What To Do If You Have a Crash
Question 4
The SR-31 rule applies when crash damage to any vehicle or property reaches what amount?
$500
$250 per vehicle involved
$1,000
$2,500
Correct answer: $500
The SR-31 applies to crashes with injury, death, or damage of $500 or more.
Source: Chapter 4: The Driver β What To Do If You Have a Crash
Question 5
You hit an unattended parked car. What must you do?
Call your insurer only
Notify police, find the owner, or leave a note
Wait one hour, then leave with no note
Leave if the damage looks minor
Correct answer: Notify police, find the owner, or leave a note
Notify the police, try to find the owner, or leave a written notice with your name and address on the vehicle.
Source: Chapter 4: The Driver β What To Do If You Have a Crash
Question 6
What are Alabama's minimum liability insurance limits?
$15,000/$30,000/$5,000
$10,000/$20,000/$10,000
$25,000/$50,000/$25,000
$50,000/$100,000/$50,000 for all drivers
Correct answer: $25,000/$50,000/$25,000
Policies must cover at least $25,000 per person injured, $50,000 for two or more, and $25,000 property damage.
Source: Chapter 6: Traffic Laws β Mandatory Liability Insurance Law
Question 7
What is the maximum fine for a first mandatory liability insurance violation in Alabama?
$100
$1,000 plus a one-year suspension
$5,000
$500
Correct answer: $500
Fines are up to $500 for the first violation and up to $1,000 for later ones, and/or a six-month suspension.
Source: Chapter 6: Traffic Laws β Mandatory Liability Insurance Law
Question 8
Besides fines, what license penalty can an insurance violation bring in Alabama?
A six-month suspension
None
A permanent revocation
A two-week suspension after the third offense
Correct answer: A six-month suspension
An insurance violation may bring a six-month driver's license suspension in addition to fines.
Source: Chapter 6: Traffic Laws β Mandatory Liability Insurance Law
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