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Maine Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Every Maine topic, mock exams and your progress, right here or in the app.
Question 1
Who must carry motor vehicle liability insurance in Maine?
Every owner and operator
Only owners of brand-new cars
Only drivers under 25
Only commercial drivers
Correct answer: Every owner and operator
Maine requires every owner and operator to maintain liability insurance and show evidence when a police officer asks.
Source: Section 2: State Laws and Rules – Insuring Your Motor Vehicle
Question 2
You are found to have failed to produce evidence of insurance. What will Maine require?
Nothing further
A new road test
File an SR-22
A vehicle inspection
Correct answer: File an SR-22
After an adjudication for failing to produce insurance, you must file an SR-22 certificate or face suspension of license and registration.
Source: Section 2: State Laws and Rules – Insuring Your Motor Vehicle
Question 3
What coverage is included in every auto liability policy written in Maine?
Collision coverage
Rental car coverage
Uninsured motorist coverage
Roadside assistance
Correct answer: Uninsured motorist coverage
By law, all Maine auto liability policies include uninsured motorist coverage for bodily injury.
Source: Section 2: State Laws and Rules – Insuring Your Motor Vehicle
Question 4
When must a Maine crash be reported to the police?
Injury or $2,000+ damage
Only with a death
Only when damage is over $500
Only if a car is towed
Correct answer: Injury or $2,000+ damage
If the accident involves any injuries or property damage of $2,000 or more, the drivers must report it to police or the sheriff.
Source: Section 9: Avoiding Crashes – Accidents
Question 5
You hit a parked car and can't find the owner. What must the note include?
Your name and ID details
Only an apology
Nothing; just leave
Only your cell phone number
Correct answer: Your name and ID details
Leave a note where the owner can find it with your name and address, license number, plate number, date and time, and the damage.
Source: Section 9: Avoiding Crashes – Accidents
Question 6
You hit a dog in a crash not otherwise reportable. What must you do?
Try to notify the owner
Only call your insurance company
Nothing
Leave the area quickly
Correct answer: Try to notify the owner
If a dog, cat or livestock is injured or killed, take reasonable steps to notify the owner, or police or animal control if the owner can't be found.
Source: Section 9: Avoiding Crashes – Accidents
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