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California Driver's Handbook > Financial Responsibility, Insurance Requirements, & Collisions > Flashcards

Financial Responsibility, Insurance Requirements, & Collisions Flashcards

1
Q

Are you required to have your proof of financial responsibility (insurance) with you when you drive?

A

Yes.

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2
Q

Are you required to have your proof of financial responsibility (insurance) with you when you take a driving test?

A

Yes.

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3
Q

If you get into a collision, are you required to show your proof of financial responsibility (insurance) to the other drivers involved in the collision?

A

Yes.

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4
Q

What are the minimum amounts your proof of financial responsibility (insurance) must cover?

A
  1. $15,000 for a single death or injury.
  2. $30,000 for death or injury to more than one person.
  3. $5,000 for property damage.
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5
Q

What is the minimum amount your proof of financial responsibility (insurance) must cover for single death or injury?

A

$15,000

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6
Q

What is the minimum amount your proof of financial responsibility (insurance) must cover for death or injury to more than one person.

A

$30,000

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7
Q

What is the minimum amount your proof of financial responsibility (insurance) must cover for property damage?

A

$5,000

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8
Q

Are parents/guardians financially responsible for any damages caused by drivers under age 18?

A

Yes.

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9
Q

What must you check before you purchase insurance?

A

That the agent, broker, or insurance provider is licensed by the California Department of Insurance.

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10
Q

What can you do if you are unable to afford liability insurance?

A

You may be eligible for the California Low Cost Automobile Insurance Program.

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11
Q

What are the 7 most common causes of collisions?

A
  1. Driver distractions.
  2. Unsafe speed.
  3. Improper turns.
  4. Not following right-of-way rules.
  5. Not following stop signals and signs.
  6. Driving on the wrong side of the road.
  7. Traveling faster or slower than the flow of traffic.
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12
Q

What must you do if you see a vehicle’s emergency flashers ahead?

A

Slow down. There may be a collision or other road emergency. Pass carefully.

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13
Q

What should you do when you see a collision ahead, if possible?

A

Avoid driving near the collision and choose another route if possible.
If anyone is injured, they will get help faster if other vehicles are not blocking the road.

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14
Q

What must you do if you are in a collision?

A
  1. STOP. Failing to stop is a hit-and-run.
  2. If anyone is injured, call 911 immediately.
  3. If no one is injured, move your vehicle out of traffic first and THEN call 911.
  4. Show your license, registration, insurance, and current address to the other driver(s), law enforcement, and anyone else involved in the collision.
  5. You, your lawyer, insurance agent, or broker MUST file a report to law enforcement within 24 hours if anyone is injured or killed in the collision.
  6. If you hit or rolled into another vehicle or other property, attempt to find the owner. If you cannot find the owner, securely attach a note to the property with your name, number, and address, then report the collision to law enforcement.
  7. If you injure or kill an animal, call the nearest humane society or law enforcement. DO NOT attempt to move the animal.
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15
Q

What is it called if you fail to stop following a collision?

A

A hit-and-run.

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16
Q

What must you do first if anyone is injured or killed in a collision you are involved in?

A

Call 911.

17
Q

What must you do first if you are involved in a collision and no one is injured?

A

Move your vehicle out of traffic, then call 911.

18
Q

What two things must you do first if you are involved in a collision.

A
  1. Stop.
  2. Check if anyone is injured.
19
Q

If you are involved in a collision, what documents are you required to show to the other driver(s), law enforcement, and anyone else involved in the collision?

A

Your license, registration, insurance, and current address.

20
Q

Within how many hours are you, your lawyer, insurance agent, or broker required to file a report to law enforcement if anyone is injured or killed in a collision you are involved in?

A

Within 24 hours.

21
Q

If anyone is injured or killed in a collision you are involved in, who can file the legally required report to law enforcement within 24 hours of the collision?

A

You, your lawyer, insurance agent, or broker.

22
Q

What must you do if you hit or rolled into another vehicle or other property?

A
  1. Attempt to find the owner.
  2. If you cannot find the owner, securely attach a note to the property with your name, number, and address.
  3. Report the collision to law enforcement.
23
Q

What must you do if you injure or kill an animal with your vehicle?

A
  1. Call the nearest humane society or law enforcement.
  2. DO NOT attempt to move the animal.
24
Q

If you are involved in a collision that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor), within how many days must you report the collision to the DMV?

A

Within 10 days.

25
Q

What types of collisions are you required to report within 10 days to the DMV?

A

Any collision that caused more than $1,000 to property OR that injured or killed another person (even if the injuries were minor).

26
Q

If you are involved in a collision that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor), what must you do?

A

Each driver (or their representative) must file a Report of Traffic Accident Occurring in California within 10 days to the DMV regardless of whether they caused the collision and regardless of whether the collision occurred on private property.

27
Q

If you are involved in a collision THAT YOU DID NOT CAUSE that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor), are you still required to filed a report within 10 days to the DMV?

A

Yes.

28
Q

If you are involved in a collision ON PRIVATE PROPERTY that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor), are you still required to filed a report within 10 days to the DMV?

A

Yes.

29
Q

If you are involved in a collision that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor), can you have your lawyer, insurance agent, or broker file the required report to the DMV within 10 days of the collision?

A

Yes.

30
Q

If you are involved in a collision that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor), what is the penalty if you fail to file a report to the DMV within 10 days?

A

Your driving privilege will be suspended.

31
Q

Will law enforcement file the required report to the DMV if you are involved in a collision that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor)?

A

No. You (or your representative) must do it yourself within 10 days.

32
Q

What is the name of the report you must file within 10 days to the DMV if you are involved in a collision that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor)?

A

Report of Traffic Accident Occurring in California

33
Q

What is the penalty if you are in a collision and do not have proper insurance coverage, regardless of who is at fault?

A

Your driving privilege will be suspended for up to 4 years.

34
Q

If your driving privilege is suspended for up to 4 years due to being in a collision and not having proper insurance coverage, how and when can you get your license back early?

A

You can get it back during the last 3 years of the suspension if you provide a California Insurance Proof Certificate and maintain it during that 3-year period.

35
Q

If you are involved in a collision that caused more than $1,000 of damage to property OR that injured or killed another person (even if the injuries were minor), will the DMV add it to your driver record REGARDLESS of who is at fault?

A

Yes.

California Driver's Handbook (10 decks)

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