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Kentucky Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Question 1
What are Kentucky's minimum liability insurance limits?
$50,000/$100,000/$50,000 for teens
$15,000/$30,000/$10,000
$25,000/$50,000/$25,000
$10,000/$20,000/$5,000
Correct answer: $25,000/$50,000/$25,000
Minimum coverage is $25,000 per person, $50,000 per accident for bodily injury and $25,000 property damage, or a $60,000 single limit.
Source: Section Two: General Information β Insurance Law
Question 2
What single-limit policy amount meets Kentucky's liability requirement?
$25,000
$60,000
$100,000 for drivers under 21
$30,000
Correct answer: $60,000
Alternatively, a policy with a single limit of $60,000 is acceptable.
Source: Section Two: General Information β Insurance Law
Question 3
What is the penalty for failing to maintain insurance in Kentucky?
$500 to $1,000 fine, up to 90 days in jail, or both
No penalty
A warning
$100 fine and two points on your license
Correct answer: $500 to $1,000 fine, up to 90 days in jail, or both
Failure to maintain insurance is a criminal offense: registration revoked and a $500β$1,000 fine, up to 90 days in jail, or both.
Source: Section Two: General Information β Insurance Law
Question 4
Can Kentucky proof of insurance be shown on a phone?
Yes, electronic cards are allowed
Only for new cars
Only if the insurer mails a letter first
No, only paper
Correct answer: Yes, electronic cards are allowed
Written proof can be a paper insurance card or a portable electronic device showing the insurance card.
Source: Section Two: General Information β Insurance Law
Question 5
After a non-injury crash in Kentucky, what does KRS 189.580 require you to do with the vehicles?
Abandon them
Drive to the nearest station before stopping
Leave them in place for police
Move them to the shoulder
Correct answer: Move them to the shoulder
When involved in a non-injury accident, move the damaged vehicles to the shoulder of the roadway.
Source: Section Nine: Emergency Situations and Avoiding Crashes β Collisions
Question 6
When must you file a civilian collision report with the Kentucky State Police?
After every crash, within 24 hours
Only if someone is injured
Damage over $500 with no police investigation, within 10 days
Never
Correct answer: Damage over $500 with no police investigation, within 10 days
If property damage exceeds $500 and no officer investigated, file a written report with the KSP within ten days.
Source: Section Nine: Emergency Situations and Avoiding Crashes β Collisions
Question 7
Your car hits an unattended parked vehicle and you can't find the owner. What must the note include?
Name, address, license and plate number, date and time
Your insurance agent's name only
Only your phone number
Nothing; no note is needed
Correct answer: Name, address, license and plate number, date and time
Leave a note with your name, address, driver license number, license plate number, and the date and time.
Source: Section Nine: Emergency Situations and Avoiding Crashes β Collisions
Question 8
When should you remove an injured person from a crash vehicle?
Only in life-threatening emergencies
After 10 minutes
Always, right away
When they ask to be moved to the shoulder
Correct answer: Only in life-threatening emergencies
Only in life-threatening emergencies should you try to remove someone; otherwise wait for EMTs.
Source: Section Nine: Emergency Situations and Avoiding Crashes β Collisions
All Kentucky practice
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Signals & Pavement Markings
Right-of-Way
Speed Limits
Turning
Lanes & Passing
Parking
Alcohol & Drugs
Safe Driving
Emergencies
Sharing the Road
Licensing
Teen & Provisional Drivers
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