Colorado Insurance & Collisions practice test

Key Colorado facts: Insurance & Collisions

• A driver involved in a crash must provide proof of insurance to law enforcement at the crash scene or at the police station. Crash Tips, Providing insurance information after a crash, printed p. 26 (PDF p. 29)
• If the driver is physically unable to report a crash with injuries, a passenger must report it and, if law enforcement says so, stay at the scene until officers arrive. Crash Tips, The duties of occupants, printed p. 26 (PDF p. 29)
• During Accident Alert Status, when weather is so severe that police cannot respond to all crashes, drivers in crashes without alcohol, drugs or injuries and with drivable cars exchange information and must file a report with law enforcement within 24 hours. Crash Tips, Accident Alert Status, printed p. 26 (PDF p. 29)
• Under Colorado's Move It law, drivers in a minor crash on a divided highway must get their vehicles off the highway if the vehicles can still be driven, nobody is hurt and no alcohol or drugs are involved; neither police nor insurers penalize the driver for moving the car. Crash Tips, Move It Law, printed p. 26 (PDF p. 29)
• Good Samaritan immunity generally protects a rescuer who acts as a reasonable and prudent person would from being sued over the victim's injuries. Crash Tips, First aid, printed p. 27 (PDF p. 30)

Sample Insurance & Collisions questions

You moved your car off the highway after a minor crash, as the Move It law requires. Will police or insurers penalize you for that?

• Yes, the move counts as leaving the scene
• Only if no photos were taken first
• No, moving it is not held against you
• Yes, your insurer may refuse the claim

Show the answer

No, moving it is not held against you

Moving the car off the road under the Move It law is not held against you by police or insurers.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, Move It Law, printed p. 26 (PDF p. 29)

What does Good Samaritan immunity generally protect a rescuer from?

• Getting a traffic ticket that day
• Being sued over the victim's injuries
• Paying for their own gas
• Having to give their name to police

Show the answer

Being sued over the victim's injuries

A rescuer who acts as a reasonable and prudent person would is generally protected from being found financially responsible.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, First aid, printed p. 27 (PDF p. 30)

A crash victim is awake and talking. What should you do before giving first aid?

• Give them something to drink
• Move them to your car
• Ask the person for permission
• Wait until they lose consciousness

Show the answer

Ask the person for permission

A reasonable and prudent rescuer asks a conscious victim for permission before giving care.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, First aid, printed p. 27 (PDF p. 30)

You are helping a crash victim. How long should you keep giving care?

• Until traffic starts moving again
• Until the victim says thank you
• Only for the first five minutes
• Until more highly trained help arrives

Show the answer

Until more highly trained help arrives

Call for professional help and continue to provide care until better trained personnel take over.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, First aid, printed p. 27 (PDF p. 30)

Colorado is under Accident Alert Status. You have a minor crash with no injuries or alcohol, and the cars are drivable. When must you report it?

• Only if police arrive
• Within 24 hours
• Within 30 days
• Within 7 days

Show the answer

Within 24 hours

Exchange information at the scene, then file an accident report with law enforcement within 24 hours.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, Accident Alert Status, printed p. 26 (PDF p. 29)

You are in a crash in Colorado. Where must you provide proof of insurance to law enforcement?

• Only to your insurer within 30 days
• Only if the other driver asks
• At the scene or at the police station
• Only at a DMV office

Show the answer

At the scene or at the police station

Drivers in a crash must give proof of insurance to law enforcement, at the scene or at the police station.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, Providing insurance information after a crash, printed p. 26 (PDF p. 29)

What can happen if you fail to settle a court judgment against you from a crash?

• Your driving privilege can be suspended
• Only a warning letter is sent
• Your insurer pays it with no effect on you
• Nothing, if your car is paid off

Show the answer

Your driving privilege can be suspended

Failing to settle a judgment from a crash is a listed reason for losing your license.

Source: Colorado Driver Handbook (DR 2337), How You Can Lose Your License, printed p. 2 (PDF p. 5)

You are a passenger in a crash with injuries and the driver is physically unable to report it. What must you do?

• Leave, since you were not driving
• Only tell the driver's family
• Report the crash yourself
• Wait until the driver recovers

Show the answer

Report the crash yourself

A passenger must report the crash and, if officers direct, stay at the scene until they arrive.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, The duties of occupants, printed p. 26 (PDF p. 29)

What is Accident Alert Status in Colorado?

• A notice that a driver's insurance has lapsed
• A siren used by tow trucks
• A time when weather keeps police from answering every crash
• A warning that a road is closed for repairs

Show the answer

A time when weather keeps police from answering every crash

It is declared when weather is so severe that officers cannot respond to the large number of crashes.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, Accident Alert Status, printed p. 26 (PDF p. 29)

Under Colorado's Move It law, when must you move your car off a divided highway after a minor crash?

• When it runs, no one is hurt and no alcohol or drugs are involved
• Never; leave it where it is for the investigators
• Only when the other driver agrees to the move
• Only after police arrive and say it is all right

Show the answer

When it runs, no one is hurt and no alcohol or drugs are involved

If the car is drivable, nobody is injured and no drugs or alcohol are involved, move it off the highway and then exchange information.

Source: Colorado Driver Handbook (DR 2337), Crash Tips, Move It Law, printed p. 26 (PDF p. 29)

Take this topic's test

More Colorado practice

• Full practice testAll topics, as in the knowledge test
• Road SignsWhat signs mean and what to do when you see them92 questions, 14 on Colorado rules
• Right-of-WayWho goes first at intersections, crosswalks and roundabouts37 questions, 15 on Colorado rules
• Traffic SignalsLights, arrows and pedestrian signals31 questions, 12 on Colorado rules
• Lanes & TurnsLane markings, turns, passing and merging43 questions, 15 on Colorado rules
• Speed LimitsLimits and how to adjust your speed25 questions, 10 on Colorado rules
• ParkingCurb colors, hills and where you can't park26 questions, 10 on Colorado rules
• Safe DrivingFollowing distance, weather, night driving and sharing the road66 questions, 26 on Colorado rules
• Alcohol & DrugsBlood alcohol limits, DUI rules and medication31 questions, 15 on Colorado rules
• EmergenciesBreakdowns, emergency vehicles and railroad crossings27 questions, 15 on Colorado rules
• License RulesPermits, restrictions for new drivers and points24 questions, 24 on Colorado rules
• Phones & DistractionPhone rules and other distractions24 questions, 10 on Colorado rules

About these questions

We wrote these practice questions from the facts in the Colorado Driver Handbook (DR 2337, January 2025 (file DR_2337_Jan2025.pdf, footer DR 2337 (12/05/24), PDF created 2024-12-04, 36 pages), linked from https://dmv.colorado.gov/drivereducation. dmv.colorado.gov refuses automated requests (Cloudflare 403), so the owner supplied the file; read 2026-11-09. Citations give the printed page and the PDF page (PDF page = printed page + 3). PDF pages 23 (printed p. 20) and 33 also carry hidden, off-page text left over from an older edition (sections 13.3-13.5 and 15.5-16, e.g. school bus fines of up to $300 and six points); it is not visible on the page and no fact is taken from it. Where the handbook is silent, DMV pages (dmv.colorado.gov, read 2026-11-09 through a fetch tool), the Code of Colorado Regulations (1 CCR 204-30, Rule 8) and signed acts on leg.colorado.gov are the source. Statute checks used the 2024 compilation of C.R.S. title 42 (as republished by colorado.public.law, not an official host, so it is not cited) together with the 2024-2026 bills that changed it. edition) and from official sources on road signs. Every answer links to its source, so you can check it and read more.

DMV Decoded is an independent guide, not a government agency. This practice test is not connected to the Colorado Department of Revenue, Division of Motor Vehicles, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.