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Illinois Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Question 1
Police signal you to pull over. Where should your hands be after you stop?
In your lap
Holding your license and insurance card out the window
On the steering wheel, clearly in sight
Reaching for your documents
Correct answer: On the steering wheel, clearly in sight
Stay in the vehicle with both hands clearly visible on the steering wheel until the officer instructs otherwise.
Source: Chapter 4: Traffic Laws – Proper Action When Stopped by Law Enforcement
Question 2
Does signing a traffic ticket mean you admit guilt?
No, it only acknowledges you received it
Only if you are under 21
Only for speeding tickets
Yes, signing means you accept the fine as a guilty plea
Correct answer: No, it only acknowledges you received it
Signing a ticket is not an admission of guilt—only acknowledgment of receiving it—so you should not refuse to sign.
Source: Chapter 4: Traffic Laws – Proper Action When Stopped by Law Enforcement
Question 3
An unmarked car signals you to stop and you can't confirm it is police. What may you do?
Speed away
Stop on the shoulder and lock the doors without signaling
Ignore it
Drive slowly with hazard lights to a well-lit, populated place or police station, or call 911
Correct answer: Drive slowly with hazard lights to a well-lit, populated place or police station, or call 911
You may drive slowly below the limit to a well-lit, populated location or police station, or call 911; hazard lights show your intent.
Source: Chapter 4: Traffic Laws – Proper Action When Stopped by Law Enforcement
Question 4
When must an Illinois driver file a crash report?
If there is death, injury or more than $1,500 damage ($500 if uninsured)
Only if damage exceeds $5,000
Only if you were at fault
Only if police respond
Correct answer: If there is death, injury or more than $1,500 damage ($500 if uninsured)
Regardless of fault, file a report for death, bodily injury, or property damage over $1,500—or $500 if any vehicle is uninsured.
Source: Chapter 7: Traffic Violations/Crashes
Question 5
What penalty can a driver face for failing to report a crash?
Up to $2,500 fine and up to one year in jail
A warning letter
Two points
A $50 fine and a warning letter from the court
Correct answer: Up to $2,500 fine and up to one year in jail
Drivers who fail to report a crash may be fined up to $2,500 and jailed up to one year.
Source: Chapter 7: Traffic Violations/Crashes
Question 6
If the driver can't make the crash report and a passenger was in the vehicle, who must report?
The passenger
The vehicle owner, later
The insurance company
No one
Correct answer: The passenger
If the driver is unable to report and there is a passenger, the passenger must make the report.
Source: Chapter 7: Traffic Violations/Crashes
Question 7
What happens to someone convicted of leaving the scene of a crash involving injury or death?
A $100 fine only
Two points
The Secretary of State must revoke their license
A 30-day suspension
Correct answer: The Secretary of State must revoke their license
Leaving the scene of an injury or fatal crash requires license revocation; damage over $1,000 brings a suspension.
Source: Chapter 7: Traffic Violations/Crashes
Question 8
You damage an unattended parked car and cannot find the owner. What should you do?
Drive away
Wait an hour, then leave
Call only your insurer
Leave your name, address, phone and plate number on it and notify police
Correct answer: Leave your name, address, phone and plate number on it and notify police
Stop away from traffic, leave your contact and plate information on the vehicle, notify police and complete required reports.
Source: Chapter 7: Traffic Violations/Crashes
Question 9
Convicted of driving without mandatory insurance, how long do you lose driving privileges at minimum?
One month
One month, with a restricted permit available
Six months
Three months
Correct answer: Three months
A mandatory insurance violation brings at least a three-month loss of privileges, a $100 reinstatement fee and no permit.
Source: Chapter 7: Traffic Violations/Crashes
Question 10
What are Illinois' minimum liability insurance limits?
$25,000 / $50,000 / $20,000
$15,000 / $30,000 / $5,000
$10,000 / $20,000 / $10,000
$50,000 / $100,000 / $25,000
Correct answer: $25,000 / $50,000 / $20,000
Minimums: $25,000 for one person's injury or death, $50,000 for more than one person, and $20,000 for property damage.
Source: Chapter 13: Owning a Vehicle
Question 11
May you show proof of insurance on your phone in Illinois?
Only during renewal
No, only paper
Only if the officer agrees
Yes, an electronic insurance card is acceptable
Correct answer: Yes, an electronic insurance card is acceptable
Insurers must provide Illinois insurance cards, which may be displayed on a cellphone or other electronic device.
Source: Chapter 13: Owning a Vehicle
Question 12
If you are at fault in a crash without liability insurance, what does the Safety Responsibility Law require?
Only paying a $50 fee
Nothing extra
Taking a new road test
Posting security to cover damages, or your license may be suspended
Correct answer: Posting security to cover damages, or your license may be suspended
You must post security (a guarantee of payment) set by IDOT; if not, your license may be suspended until the case is settled.
Source: Chapter 7: Traffic Violations/Crashes
Question 13
You come upon a crash. Where should you stop if you are able?
In the travel lane near the crash
Right behind the crashed cars
On the median
A safe, well-lit public place that does not block traffic
Correct answer: A safe, well-lit public place that does not block traffic
Stop in a safe, well-lit public place that doesn't obstruct traffic, help the injured if needed, call 911 and warn others.
Source: Chapter 7: Traffic Violations/Crashes
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Practice questions are written from official driver handbooks. Always check your state DMV for current rules.
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