Key Florida facts: Insurance & Collisions
Sample Insurance & Collisions questions
Your Florida license is suspended for having no insurance. Can you get a temporary license to get to work?
Yes, after paying a fee at the office No, not for any reason Yes, for work trips only Show the answer
No, not for any reason
Getting insurance and paying the reinstatement fee is what lifts the suspension.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 3, Your Driving Privilege: No-Fault Law (p. 24)
You have a damage-only crash in Florida with no law enforcement report. How soon must you file a written report with FLHSMV?
Within 10 days Within 90 days Within 24 hours Show the answer
Within 10 days
The report can be made on the agency's website.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 9, Handling Emergencies: Your Responsibilities After a Crash (p. 77)
You hit an unattended vehicle in Florida and can't find the owner. What must your note include?
Your name and insurance agent only Your name, contact information and plate number Your driver license number and birth date Show the answer
Your name, contact information and plate number
You must also notify law enforcement.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 9, Handling Emergencies: Your Responsibilities After a Crash (p. 77) ; Florida Statutes, s. 316.063, Florida Statutes
Your vehicle is blocking traffic after a minor crash in Florida. What must you do?
Leave it there until an officer arrives Wait for your insurance company's approval Move it or have it moved Show the answer
Move it or have it moved
Moving out of the flow of traffic is required, and you still stay and exchange information.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 9, Handling Emergencies: Your Responsibilities After a Crash (p. 77)
What does Personal Injury Protection cover under Florida's No-Fault Law?
Damage you cause to others' property Your own injuries, whoever caused the crash Repairs to your own vehicle Show the answer
Your own injuries, whoever caused the crash
Property Damage Liability is the part that pays for other people's property that you damage.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 3, Your Driving Privilege: No-Fault Law (p. 23)
What is the minimum Personal Injury Protection coverage in Florida?
Show the answer
$10,000
Florida also requires at least $10,000 in Property Damage Liability.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 3, Your Driving Privilege: No-Fault Law (p. 23)
What is the minimum prison term for leaving the scene of a Florida crash that results in a death?
Show the answer
4 years
It is a first-degree felony, and the driver also loses the license for at least 3 years.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 9, Handling Emergencies: Hit and Run Penalties (p. 77)
What is the minimum Property Damage Liability coverage in Florida?
Show the answer
$10,000
Together with Personal Injury Protection, it is the basic coverage needed to register a car.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 3, Your Driving Privilege: No-Fault Law (p. 23)
You plan to cancel your Florida car insurance and stop driving the car. What should you do first?
Mail your license to FLHSMV Turn in the license plate Tell your local police department Show the answer
Turn in the license plate
This prevents a suspension of your license and avoids reinstatement fees.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 3, Your Driving Privilege: No-Fault Law (p. 23)
Which of these is acceptable proof of insurance while driving in Florida?
Your vehicle registration only Electronic proof on your smartphone A photo of the vehicle's title Show the answer
Electronic proof on your smartphone
Keep your insurance ID card or electronic proof with you while driving; without it, you may get a citation.
Source: Official Florida Driver License Handbook (rev. 08/2023), Chapter 3, Your Driving Privilege: No-Fault Law (p. 23)
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About these questions
We wrote these practice questions from the facts in the Official Florida Driver License Handbook (rev. 08/2023 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 Florida Department of Highway Safety and Motor Vehicles, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
