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

Question 1 of 11

Must your car be insured while it is registered but you are not driving it?

1. Yes, as long as it is registered
2. No, only when you drive it
3. Only in winter

Question 2 of 11

What is New York's minimum liability coverage for property damage?

1. $25,000
2. $10,000
3. $5,000

Question 3 of 11

What minimum coverage does New York require for injury to one person?

1. $10,000
2. $100,000
3. $25,000

Question 4 of 11

What happens if you drive, or let someone drive, your uninsured vehicle in New York?

1. Your license is revoked for at least one year
2. A $50 fine
3. Nothing if there is no crash

Question 5 of 11

Your insurance lapses and you keep the plates. After how many days uninsured is your license also suspended?

1. 10 days
2. 90 days
3. One year

Question 6 of 11

You are in a minor crash with only slight damage. Must you stop?

1. No, if the damage is small
2. Only if police are present
3. Yes, you must always stop

Question 7 of 11

A crash causes $1,000 or more in damage to one person's property. How soon must you report it to the DMV?

1. Within 10 days
2. Within 30 days
3. No report is needed if insurance knows

Question 8 of 11

Someone is injured in a crash you are involved in. What must you do?

1. Exchange information only
2. Notify the police immediately and make sure an ambulance is called
3. Leave if you were not at fault

Question 9 of 11

When may you move an injured person at a crash scene?

1. Always, to make them comfortable
2. Whenever traffic is blocked
3. Only if fire or another life-threatening danger makes it necessary

Question 10 of 11

Power lines are down on a crashed car. What should you tell the people inside?

1. Stay inside until help arrives
2. Get out immediately
3. Touch the car to check if it is safe

Question 11 of 11

After a crash with only property damage, what information must you exchange?

1. Only your phone number
2. Name, address, license number, registration and insurance information
3. Nothing if no one is hurt