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Mississippi Permit Test: Insurance & Collisions Practice Questions
Financial responsibility and what to do after a collision.
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Every Mississippi topic, mock exams and your progress, right here or in the app.
Question 1
When must a Mississippi crash be reported to law enforcement?
With injury, death or damage over $500
Only with death
Never
Only if the damage is over $5,000 total
Correct answer: With injury, death or damage over $500
Report immediately if the crash involves injury, death or apparent property damage over $500.
Source: In Case of an Accident
Question 2
You're too injured to report a crash immediately. Who may report it?
Only your lawyer
Only the other driver involved
No one
Any of your passengers
Correct answer: Any of your passengers
If you are too badly injured to report, any one of your passengers may do so.
Source: In Case of an Accident
Question 3
What must you show the officer at a Mississippi crash scene?
Proof of insurance and policy number
Your birth certificate
Your tax return
Your vehicle title and current registration
Correct answer: Proof of insurance and policy number
When the officer arrives you must show proof of insurance and the policy number.
Source: In Case of an Accident
Question 4
Can you be cited for no proof of insurance even if a crash wasn't your fault?
Only if over $1,000
Yes
No
Only if injured
Correct answer: Yes
Without proof of insurance you may be cited even if you are not at fault.
Source: In Case of an Accident
Question 5
What is Mississippi's minimum liability coverage for injury to one person?
$10,000
$25,000
$50,000
$100,000
Correct answer: $25,000
Minimums: $25,000 per person, $50,000 for two or more people, and $25,000 property damage.
Source: Proof of Insurance & Safety Responsibility Act
Question 6
What is Mississippi's minimum coverage for injuries to two or more people in one crash?
$30,000
$100,000
$50,000
$25,000
Correct answer: $50,000
The minimum is $50,000 for two or more people in a single-vehicle accident.
Source: Proof of Insurance & Safety Responsibility Act
Question 7
May you show proof of insurance on your phone in Mississippi?
No, paper only
Yes
Only at the DMV
Only after a crash
Correct answer: Yes
Proof of insurance may be shown electronically on a cell phone or other device.
Source: Proof of Insurance & Safety Responsibility Act
Question 8
An uninsured at-fault driver must later keep proof of insurance on file for how long?
Six months
One year
Ten years from the crash date
Three years from the crash
Correct answer: Three years from the crash
The proof of insurance must remain in effect for three years from the date of the accident.
Source: Proof of Insurance & Safety Responsibility Act
Question 9
Instead of an insurance policy, what deposit can avoid suspension after a crash in Mississippi?
A certificate of deposit or securities worth $15,000
A copy of your title
$500 cash
A letter from your employer
Correct answer: A certificate of deposit or securities worth $15,000
Options include showing a certificate of deposit or securities valued at $15,000.
Source: Proof of Insurance & Safety Responsibility Act
Question 10
What should you exchange with others involved in a Mississippi crash?
Name, address, plate number and insurance info
Only your license number and your cell phone number
Nothing
Only phone numbers
Correct answer: Name, address, plate number and insurance info
Give all parties your name, address, license plate number and insurance information, and get theirs.
Source: In Case of an Accident
Question 11
Where must your Mississippi license plate be mounted?
Anywhere visible
On the front
On the dashboard, facing outward
On the rear of the vehicle
Correct answer: On the rear of the vehicle
You must mount the plate on the rear, with a tag light making it readable at sixty feet at night.
Source: Required Vehicle Documentation – License Plate
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