New Jersey Permit Practice Test: Insurance and Collisions (2026)

Question 1 of 11

Is liability insurance required for every vehicle registered in New Jersey?

1. Yes, it is mandatory
2. Only for new cars
3. Only if you finance the car

Question 2 of 11

Your car insurance has ended. What must you do with your license plates?

1. Keep them on the car
2. Surrender them to the MVC
3. Throw them away

Question 3 of 11

What is the license penalty for a first offense of driving with no insurance?

1. A warning
2. A 30-day suspension only
3. A one-year loss of license, plus a fine and surcharges

Question 4 of 11

After a crash with more than $500 in damage, no police report was filed. What must you do?

1. Send a written report to the MVC within 10 days
2. Nothing
3. Call the MVC within a year

Question 5 of 11

Someone was killed in a crash. What should you do with the body?

1. Move it off the road
2. Do not move it or let anyone move it until police or an ambulance arrive
3. Cover it and leave

Question 6 of 11

You hit a parked car. What must you do?

1. Leave a note and drive away
2. Nothing if the damage is small
3. Notify the police and try to find the owner

Question 7 of 11

A first-offense hit-and-run with injury or death costs you your license for how long?

1. One year
2. 30 days
3. Six months

Question 8 of 11

How many points are added for leaving the scene of a crash with personal injury?

1. 2 points
2. 8 points
3. 4 points

Question 9 of 11

Where must your New Jersey insurance ID card be kept?

1. At home with the registration
2. Only with the insurance company
3. In the vehicle, with the driver (an electronic version is accepted)

Question 10 of 11

What happens to your license if you are convicted of auto insurance fraud?

1. You lose it for one year, besides fines or prison
2. Nothing: it is a civil matter
3. You get 2 points

Question 11 of 11

After a crash with injury or more than $500 in damage, when should you notify your insurance company?

1. Within 90 days
2. At once, with complete information
3. Only if you were at fault