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Hawaii Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Question 1
What document is required for a car to pass its Hawaii safety inspection?
A Hawaii insurance identification card
The original bill of sale from the dealer
A receipt for the most recent oil change
A driver education completion certificate
Correct answer: A Hawaii insurance identification card
A Hawaii automobile insurance identification card is required to pass the safety inspection.
Source: Chapter II: Vehicle Equipment and Inspection – Safety Inspection of Vehicles
Question 2
Which crashes must be reported to the police immediately in Hawaii?
Any with injury, death or $3,000+ damage
Any crash with damage of over $500
Only crashes that happen on freeways
Only crashes in which someone is killed
Correct answer: Any with injury, death or $3,000+ damage
Crashes causing any injury, death, or property damage of $3,000 or more must be reported to police right away by the quickest means.
Source: Chapter VII: Accident Procedures
Question 3
You are in a minor crash and your car can still be driven. What should you do first?
Drive home and call your insurer from there
Stay in the lane until the police arrive
Stop, then move off the road if you can
Leave a quick note and keep on going
Correct answer: Stop, then move off the road if you can
Stop immediately and, if possible, move your vehicle off the traveled part of the road. Do not leave without identifying yourself and helping.
Source: Chapter VII: Accident Procedures
Question 4
How should you help an injured person at a crash scene until skilled help arrives?
Move them into your car right away
Sit them up and help them walk around
Don't move them unless needed; keep them warm
Give them water and something to eat
Correct answer: Don't move them unless needed; keep them warm
Do not move the injured unless necessary, keep them warm, use direct pressure on severe bleeding, and protect them from traffic.
Source: Chapter VII: Accident Procedures
Question 5
How should you try to control severe bleeding of a crash victim?
Wait for the ambulance without touching them
Apply direct pressure
Pour cold water on the wound
Raise the person's head
Correct answer: Apply direct pressure
If there is severe bleeding, try to stop the flow of blood with direct pressure.
Source: Chapter VII: Accident Procedures
Question 6
What information must drivers involved in a crash give to each other?
Nothing at all until the police arrive
Only the name of their insurance agent
Name, address and registration number
Only a phone number to call later
Correct answer: Name, address and registration number
Drivers must give their name, address and vehicle registration number, and show their license on request to the others involved.
Source: Chapter VII: Accident Procedures
Question 7
You hit a parked car and cannot find its owner. What must you do?
Drive away, since nobody saw the crash
Wait one hour, then leave if no one comes
Leave a written note with your details
Report it only if damage tops $3,000
Correct answer: Leave a written note with your details
After striking an unattended vehicle, stop and find the owner or leave a written notice with your name, address and the circumstances.
Source: Chapter VII: Accident Procedures
Question 8
After a reportable crash, which form shows the state your evidence of insurance?
Form I-94
Form SR-21
Form SR-22
Form DMV-1
Correct answer: Form SR-21
Drivers in crashes covered by the Safety Responsibility Law must report to police and their insurer and file evidence of insurance on Form SR-21.
Source: Chapter VIII: Motor Vehicle Safety Responsibility Law
Question 9
After a conviction for certain vehicle offenses, how long must you maintain proof of financial responsibility (SR-22)?
Ten years
Three years
One year
Five years
Correct answer: Three years
You must file and maintain proof of financial responsibility for three years from the conviction date, using Form SR-22.
Source: Chapter VIII: Motor Vehicle Safety Responsibility Law
Question 10
What is the penalty for not complying with Hawaii's Safety Responsibility Law?
Points are added with no other effect
You receive a warning letter only
You must attend traffic school
Your driver's license is suspended
Correct answer: Your driver's license is suspended
Failing to meet the Safety Responsibility Law requirements results in suspension of your driver's license.
Source: Chapter VIII: Motor Vehicle Safety Responsibility Law
Question 11
Who must carry motor vehicle insurance in Hawaii?
Only owners of financed or leased vehicles
Only drivers who are under age 25
Every owner of a car, bus or truck
Only drivers with commercial licenses
Correct answer: Every owner of a car, bus or truck
Every owner of a car, bus or truck must have motor vehicle insurance to register or operate the vehicle in Hawaii.
Source: Chapter VIII: Motor Vehicle Insurance Law
Question 12
What are Hawaii's minimum bodily injury liability limits listed in the manual?
$10,000 per person / $20,000 per accident
$15,000 per person / $30,000 per accident
$20,000 per person / $40,000 per accident
$50,000 per person / $100,000 per accident
Correct answer: $20,000 per person / $40,000 per accident
Required liability coverage is $20,000 per person with a $40,000 per-accident limit for bodily injury, plus $10,000 for property damage.
Source: Chapter VIII: Motor Vehicle Insurance Law
Question 13
What is the minimum property damage liability coverage required in Hawaii?
$5,000
$10,000
$25,000
$40,000
Correct answer: $10,000
Minimum coverage includes $10,000 per accident for property damage.
Source: Chapter VIII: Motor Vehicle Insurance Law
Question 14
Up to what amount per person do Hawaii's basic no-fault benefits pay for medical and rehabilitative expenses?
$5,000
$10,000
$20,000
$40,000
Correct answer: $10,000
Basic benefits pay up to $10,000 per person for medical and rehabilitative expenses.
Source: Chapter VIII: Motor Vehicle Insurance Law
Question 15
Does Hawaii's minimum required insurance pay to repair your own car after a crash?
Yes, always
Only if the other driver is at fault
No, not without additional coverage
Yes, up to $10,000
Correct answer: No, not without additional coverage
Damage to your own car is not covered by the mandatory minimums unless you buy additional coverage.
Source: Chapter VIII: Motor Vehicle Insurance Law
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Parking
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