Texas Permit Practice Test: Insurance and Collisions (2026)

Question 1 of 17

What is the minimum Texas liability coverage for injury or death of one person?

1. $15,000
2. $50,000
3. $30,000

Question 2 of 17

What minimum coverage does Texas require for injury or death of two or more people?

1. $60,000
2. $30,000
3. $100,000

Question 3 of 17

What is the minimum Texas liability coverage for property damage?

1. $10,000
2. $25,000
3. $60,000

Question 4 of 17

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

1. No, only a paper card is valid
2. Only if the officer agrees
3. Yes, an image on a wireless device with the standard insurance information is accepted

Question 5 of 17

To whom must you show proof of insurance?

1. To a law enforcement officer who asks and to anyone involved in a crash with you
2. Only to your insurance company
3. Only when you renew your license

Question 6 of 17

What is the penalty for a first conviction of driving without proof of insurance?

1. A warning only
2. A fine of $175 to $350
3. Jail for 30 days

Question 7 of 17

On a second conviction for driving without insurance, if you own the vehicle, for how long can the court impound it?

1. 30 days
2. One year
3. 180 days

Question 8 of 17

Your license and registration can be suspended if you do not pay a court judgment from a crash within how many days?

1. 60 days
2. 10 days
3. 180 days

Question 9 of 17

When a written crash report must be sent to TxDOT, what is the deadline?

1. Within 30 days
2. No later than the 10th day after the crash
3. Within 24 hours

Question 10 of 17

In which situation should you notify law enforcement as soon as possible after a crash?

1. Only a scratch on your bumper
2. The other driver apologizes
3. Someone is injured or killed

Question 11 of 17

You are in a crash in which someone is hurt. What must you do?

1. Stop immediately at or near the scene, give your information and help the injured
2. Leave and call your insurer later
3. Drive to the nearest police station before stopping

Question 12 of 17

After a crash with only vehicle damage on a main lane or ramp, if the cars can be driven safely, what must you do?

1. Leave them where they are until police arrive
2. Move them as soon as possible to a crash investigation site, the frontage road or another safe place
3. Drive home and report it the next day

Question 13 of 17

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

1. Drive away if the damage is small
2. Wait one hour, then leave
3. Leave a secure, visible written note with your name, address and what happened

Question 14 of 17

You damage a fence or a sign next to the highway. What must you do?

1. Take reasonable steps to find the owner and notify them, giving your information
2. Nothing, if no one saw it
3. Call your insurer only

Question 15 of 17

You are the victim of a hit-and-run crash. What should you do?

1. Do nothing; it cannot be covered
2. Report it to law enforcement so uninsured motorist coverage can pay
3. Only post about it online

Question 16 of 17

When helping someone injured in a crash, what should you avoid?

1. Calling for skilled help
2. Keeping them comfortable
3. Moving or lifting them unless absolutely necessary

Question 17 of 17

How should you stop serious bleeding at a crash scene?

1. Press thick, clean cloth pads on the wound by hand or with a bandage
2. Pour cold water on it
3. Raise the person to a sitting position