Indiana Permit Test: Insurance & Collisions Practice Questions

Correct answer: 25/50/25

Indiana requires $25,000 for injury or death of one person, $50,000 for injury or death of two or more people, and $25,000 for property damage per accident (25/50/25).

Source: Chapter 5: Points, Suspensions, and Insurance Requirements – Insurance Requirements

Correct answer: Have your insurer electronically submit a Certificate of Compliance

Contact your insurance provider right away and ask them to electronically submit a Certificate of Compliance (COC) to the BMV.

Source: Chapter 5: Points, Suspensions, and Insurance Requirements – Insurance Requirements

Correct answer: 90 days

The COC must be received electronically from your insurer and processed by the BMV within 90 days of the request, or your driving privileges will be suspended.

Source: Chapter 5: Points, Suspensions, and Insurance Requirements – Insurance Requirements

Correct answer: Being involved in an auto accident

The BMV may request proof of financial responsibility after an auto accident, after a third pointable violation within a year, or after a serious traffic violation.

Source: Chapter 5: Points, Suspensions, and Insurance Requirements – Insurance Requirements

Correct answer: An SR22 proving future financial responsibility

Indiana requires your insurer to electronically file an SR22 as proof of future financial responsibility; the suspension continues until an effective SR22 is filed.

Source: Chapter 5: Points, Suspensions, and Insurance Requirements – Insurance Requirements

Correct answer: 180 days

Indefinite no-insurance suspensions can be stayed when the BMV receives an SR22 and ended by maintaining the SR22 continuously for 180 days.

Source: Chapter 5: Points, Suspensions, and Insurance Requirements – Insurance Requirements

Correct answer: $250

Reinstatement fees are $250 for a first no-insurance suspension, $500 for a second, and $1,000 for a third or later one.

Source: Chapter 5: Points, Suspensions, and Insurance Requirements – Insurance Requirements

Correct answer: Move it off the highway to a spot as close to the crash as possible

Stop immediately at or near the scene. If the crash is on the traveled part of a highway, move the vehicle off the highway nearby, unless it involves hazardous materials, injury, death, or entrapment.

Source: Chapter 8: Accidents and Emergency Situations – What to Do After an Accident

Correct answer: When there is injury, death, entrapment, or hazardous material

Do not move the vehicle if the crash involves transporting hazardous materials or results in injury, death, or entrapment.

Source: Chapter 8: Accidents and Emergency Situations – What to Do After an Accident

Correct answer: Name, address, registration number, and their driver's license

The driver must remain at the scene and give their name, address, and vehicle registration number to everyone involved, and show their driver's license.

Source: Chapter 8: Accidents and Emergency Situations – What to Do After an Accident

Correct answer: Call a law enforcement agency to provide information

After hitting an unattended vehicle or property, stop, take reasonable steps to notify the owner, and if the owner cannot be found, call law enforcement.

Source: Chapter 8: Accidents and Emergency Situations – What to Do After an Accident

Correct answer: Give reasonable help as police, medics, or 911 direct

If a crash injures or kills someone, the driver must provide reasonable assistance as directed by law enforcement, medical personnel, or a 911 operator, and make sure police are notified.

Source: Chapter 8: Accidents and Emergency Situations – What to Do After an Accident

Correct answer: Failure to yield the right-of-way

Among all collisions in Indiana, failure to yield the right-of-way is the most common factor.

Source: Chapter 8: Accidents and Emergency Situations – Accidents and Emergency Situations