Illinois Permit Practice Test: Insurance and Collisions (2026)

Question 1 of 12

When must an Illinois driver file a crash report?

1. Only if someone dies
2. Never
3. If there is death, injury or more than $1,500 in damage

Question 2 of 12

How long does a driver have to report a crash in Illinois?

1. 30 minutes
2. 24 hours
3. 10 days

Question 3 of 12

What can happen if you fail to report a crash?

1. Nothing
2. A fine up to $2,500 and up to a year in jail
3. A $10 fine

Question 4 of 12

After a crash, what should you ask everyone involved?

1. Only their insurance company
2. Nothing
3. Names, addresses, phone numbers, license and plate numbers

Question 5 of 12

You damage a parked car with no one around. What must you do?

1. Leave your name, address, phone and plate number and notify police
2. Drive away
3. Wait one minute and leave

Question 6 of 12

What happens if you are convicted of driving without insurance in Illinois?

1. A warning
2. At least three months without driving privileges and a $100 reinstatement fee
3. A $5 fine

Question 7 of 12

What are Illinois' minimum liability insurance limits?

1. $10,000 total
2. No minimum
3. $25,000 per person, $50,000 per crash, $20,000 property

Question 8 of 12

Can you show proof of insurance on your phone in Illinois?

1. Yes, an electronic insurance card is accepted
2. No, only paper
3. Only at renewal

Question 9 of 12

You cause a crash without liability insurance. What does the Safety Responsibility Law require?

1. Nothing
2. Posting security to cover the damages
3. Only an apology letter

Question 10 of 12

Who can get an insurance discount by taking an eight-hour defensive driving course?

1. Only drivers under 21
2. No one
3. Drivers 55 and older

Question 11 of 12

A driver leaves the scene of a crash that caused more than $1,000 in damage. What happens?

1. Driving privileges are suspended
2. Nothing
3. A warning

Question 12 of 12

What is an SR-22?

1. A traffic ticket
2. A certificate of insurance filed by the insurer as proof of financial responsibility
3. A vehicle title