Florida Permit Practice Test: Insurance and Collisions (2026)

Question 1 of 12

What minimum insurance must a Florida vehicle owner carry?

1. $10,000 in Personal Injury Protection and $10,000 in Property Damage Liability
2. $30,000 in bodily injury liability only
3. $5,000 in collision coverage

Question 2 of 12

What does Personal Injury Protection (PIP) cover?

1. Only damage to other people's property
2. Your own injuries in a crash, no matter who caused it
3. Only injuries to people in the other car

Question 3 of 12

You must carry Florida insurance if your vehicle has been in Florida for how long during the last 365 days?

1. 30 days in a row
2. 6 months in a row
3. 90 days, consecutive or not

Question 4 of 12

You plan to cancel your car insurance. What should you do first?

1. Turn in your license plate at a driver license service center
2. Nothing: insurance is optional while the car is parked
3. Remove the plate and keep it at home

Question 5 of 12

A crash caused only vehicle damage and no officer made a report. What must you do?

1. Nothing, if the damage is small
2. Send a written crash report to FLHSMV within 10 days
3. Report it to your insurer only, within a year

Question 6 of 12

After a minor crash, your car is blocking traffic. What should you do?

1. Leave it exactly where it is until the police arrive
2. Leave the scene and call your insurer later
3. Move it, or have it moved, out of the flow of traffic

Question 7 of 12

You hit a parked car and cannot find the owner. What must you do?

1. Leave a note with your name, contact information and plate number, and notify law enforcement
2. Drive away, since nobody was hurt
3. Wait one hour, then leave

Question 8 of 12

Is it legal to leave the scene of a crash that caused only property damage?

1. Yes, if the damage looks minor
2. No. You must stay at the scene of any crash with death, injury or property damage
3. Yes, if you leave a phone number with a witness

Question 9 of 12

Leaving the scene of a crash that results in a death is:

1. A traffic infraction with a fine
2. A misdemeanor with community service
3. A first-degree felony with a minimum 4-year prison term

Question 10 of 12

At a crash, someone may have a neck or back injury. What should you do?

1. Do not move them unless they are in danger; get help
2. Sit them up so they can breathe
3. Help them walk to your car

Question 11 of 12

How should you treat an injured person for shock?

1. Give them water and walk them around
2. Keep them calm, lying flat with legs raised and covered; give them nothing to drink
3. Sit them up and remove their blankets

Question 12 of 12

When does Florida law require you to take a traffic collision avoidance course?

1. After any parking ticket
2. Only after a DUI conviction
3. When you are at fault in a crash where someone went to the hospital, or have your second crash in two years