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DMV Permit · Insurance

If you are involved in an accident, what should you do?

Reviewed by Jordan Morley, Editorial Lead at 247SimpleTests. Written by the 247SimpleTests Editorial Team from the official source material cited on every question.

Correct answer

Stop, check for injuries, exchange information with the other driver (name, address, license, insurance, plate), report the accident to police if required, notify your insurer

  1. A Continue driving and report later
  2. B Only call your spouse
  3. C Drive away if no one appears injured
  4. D Stop, check for injuries, exchange information with the other driver (name, address, license, insurance, plate), report the accident to police if required, notify your insurer

Why this is the answer

Required steps after an accident: stop at the scene (leaving the scene of an accident is a serious crime — 'hit and run'); check for injuries and call 911 if anyone is hurt; exchange information with other drivers including name, address, driver's license number, insurance company and policy number, license plate, and contact phone; report the accident to police, especially if there are injuries or significant damage (state laws vary on when police report is required); take photos of damage and the scene if safe; do not admit fault; notify your insurance company promptly. Some states require reporting any accident with property damage above a threshold ($500-$2,500 depending on state) to the DMV.
Source: State driver handbooks, Accident Procedure

Practice more questions

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About this topic: Insurance

Insurance questions cover the minimum liability coverage your state requires, proof of financial responsibility, and the consequences of driving uninsured. This is one of 3 Rules of the Road questions on insurance, each with a full explanation on a single study page.

New to this exam? Our DMV Permit exam guide explains the format, scoring, and how to prepare.

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State-specific guides

Need information for your state? Our state guides cover local requirements, fees, and what to expect on exam day.

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