Delaware Insurance & Collisions practice test

Practice required coverage and what to do after a crash: 30 questions based on the Delaware Driver Manual, 10 of them on Delaware's own rules.

Key Delaware facts: Insurance & Collisions

  • Delaware requires personal injury protection of at least $15,000 per person and $30,000 per crash. 21 Del. C. § 2118(a)(2)b)
  • Liability coverage must be at least $25,000 per crash for injury to, or the death of, a single person. 21 Del. C. § 2902(b)
  • Minimum liability insurance is $50,000 for bodily injury or death of two or more people in one crash. 21 Del. C. § 2902(b)
  • Minimum property damage liability insurance is $10,000 per crash. 21 Del. C. § 2902(b)
  • Operating without required insurance carries a fine of $1,500 to $2,000 and a 6-month license suspension for a first offense. 21 Del. C. § 2118(s)

Sample Insurance & Collisions questions

At what property damage amount must a crash on a public highway be reported to police?

  • $5,000 or more
  • $100 or more
  • $2,000 or more
  • $10,000 or more
Show the answer

$2,000 or more

Delaware law sets $2,000; the manual still shows an older $500 figure. Any crash with an injury, a death or an impaired driver must also be reported.

Source: 21 Del. C. § 4203, 21 Del. C. § 4203(a)

What is Delaware's minimum personal injury protection (PIP) coverage per person?

  • $50,000
  • $25,000
  • $5,000
  • $15,000
Show the answer

$15,000

It is $15,000 per person and $30,000 per crash.

Source: 21 Del. C. § 2118, 21 Del. C. § 2118(a)(2)b)

What must you give the other driver after a crash?

  • Your Social Security number and age
  • Name, address, registration number
  • Only your phone number and email
  • Nothing until the police arrive
Show the answer

Name, address, registration number

You must also show your driver license.

Source: 21 Del. C. § 4201, 21 Del. C. § 4201(b)

What must you do with your license plate before cancelling insurance?

  • Cover it with tape
  • Surrender it to the Division
  • Nothing; keep it on the car
  • Mail it to your insurance agent
Show the answer

Surrender it to the Division

Failing to surrender the plate before the insurance is cancelled leads to fines.

Source: Delaware Driver Manual (July 2026), Section Three, Step 1, PDF p. 64

What is the minimum property damage liability coverage per crash?

  • $25,000
  • $5,000
  • $10,000
  • $15,000
Show the answer

$10,000

It covers damage to other people's property.

Source: 21 Del. C. § 2902, 21 Del. C. § 2902(b)

What is the first-offense fine for operating without required insurance?

  • $1,500 to $2,000
  • $5,000 to $10,000
  • $100 to $500
  • $25 to $100
Show the answer

$1,500 to $2,000

A first offense also brings a 6-month license suspension.

Source: 21 Del. C. § 2118, 21 Del. C. § 2118(s)

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

  • $50,000
  • $25,000
  • $10,000
  • $15,000
Show the answer

$25,000

The minimum for two or more people is $50,000.

Source: 21 Del. C. § 2902, 21 Del. C. § 2902(b)

What is the minimum liability coverage for injury or death of two or more people in one crash?

  • $50,000
  • $10,000
  • $100,000
  • $25,000
Show the answer

$50,000

The one-person limit is $25,000.

Source: 21 Del. C. § 2902, 21 Del. C. § 2902(b)

A crash injures someone. May you leave before police have spoken to you?

  • Yes, if the other driver agrees
  • No, doing so is a crime
  • Yes, if you call later
  • Yes, if you were not at fault
Show the answer

No, doing so is a crime

A driver in a crash with injury or death must remain until police have the information they need.

Source: Delaware Driver Manual (July 2026), Section Five, Crashes, PDF p. 140

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About these questions

We wrote these practice questions from the facts in the Delaware Driver Manual (Delaware Driver Manual, cover dated July 2026 (dr_frm_manual.pdf on dmv.de.gov, 152 PDF pages, PDF created 2026-06-03; linked from the Division of Motor Vehicles Forms page https://dmv.de.gov/forms/index.shtml), downloaded 2026-11-10. Page numbers cited are PDF pages, which equal the printed page numbers. Section 1 (PDF p. 11) says the manual cannot cover all law and the code takes precedence if they conflict, so every legal rule used in questions was checked against Title 21 of the Delaware Code on delcode.delaware.gov (chapters 21, 27, 29, 41, 42, 43 and 48, read 2026-11-10); questions follow the statute. Handbook statements that are out of date or differ from the statute, and how they were handled: (1) crash reporting (PDF p. 141) gives $500 of property damage, and $1,000 when an impaired driver is involved; the DMV FAQ and sample test pages also say $500; 21 Del. C. 4203(a) now says $2,000 for property damage and any crash with an impaired driver, so questions use $2,000; (2) move-over (PDF p. 82, two-lane diagram says only to slow below the limit) differs from 21 Del. C. 4134(b)(2): on a road with four or more lanes change to a non-adjacent lane if safe, otherwise slow to at least 20 mph below the posted limit when the limit is 50 mph or more; questions use the statute; (3) the speed table (PDF p. 93) lists residential districts at 25 mph, school zones at 20 mph 'when children are present', controlled access highways at 55 mph and Route 1 and I-495 at 65 mph; 21 Del. C. 4169 allows 20 or 25 mph in residence districts at the roadway owner's discretion, sets the 20 mph school limit where 20 mph signs are posted, has no controlled-access limit and names only Route 1 between the Red Lion Creek and the Appoquinimink River at 65 mph (I-495 was not found in the statute); questions use the statute and do not test residential, controlled-access or I-495 limits; (4) school bus (PDF p. 95) says the exception covers the opposite side of a 'divided highway' with four or more lanes, while 21 Del. C. 4166(d)(1) says any roadway with four or more lanes for a driver approaching from the front (the PDF p. 89 chart agrees with the statute); the suspension on PDF p. 90 (1, 6 and 12 months) is narrower than the statute's 1 month to 1 year; questions use the statute; (5) fees: the GDL page and 21 Del. C. 2710(g)(2) give a $40 Class D fee for a minor, the manual (PDF p. 29) and 21 Del. C. 2715(a) give $50 for the eight-year license; no fee is tested; (6) the Level 1 permit seat-belt rule: the manual (PDF p. 29) says all passengers, 21 Del. C. 2710(c)(7) says passengers under 18; not tested; (7) front-seat child rule: the manual (PDF p. 109) says a child under 12 'or' under 5 feet 5 inches should not ride in front, 21 Del. C. 4803(b)(1) bars a child who is both 5'5" or shorter and under 12 from a front seat with an active passenger air bag; the question uses the statute; (8) the manual says an adult permit needs a licensed driver 'at least 21' (PDF p. 30), the statute says 'over 21' (21 Del. C. 2712(a)); questions use the statute; (9) the manual (PDF p. 116) says headsets over both ears are illegal for drivers, but Title 21 chapter 41 only bars them for bicycle riders (4198H); not tested; (10) the work zone fine doubling (PDF p. 79), studded tire dates (PDF p. 62), the point system (PDF p. 47) and Division Regulation 2208 were not verified against the statute or code, so none of them is tested; (11) the manual says the examination 'consists of four parts' (PDF p. 40) while the DMV exam page says two parts; neither gives question counts. 21 Del. C. 4179 (parking) has three versions (current, effective 2026-12-24 and 2027-03-06); the distances used are identical in all three. 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 Delaware Division of Motor Vehicles, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.