Maine Insurance & Collisions practice test

Practice required coverage and what to do after a crash: 29 questions based on the Maine Driver's License Manual, 11 of them on Maine's own rules.

Key Maine facts: Insurance & Collisions

  • To count as proof of financial responsibility a policy must cover at least $50,000 for one person injured or killed, $100,000 for one accident with several injured and $25,000 for property damage. Title 29-A, §1605, sub-§1, ¶C
  • The minimum policy also includes $2,000 in medical payments coverage and $500 for towing and storage charges. Title 29-A, §1605, sub-§1, ¶C
  • An owner or operator of a vehicle registered or required to be registered in Maine must maintain the required insurance amounts. Title 29-A, §1601, sub-§1
  • After a moving-violation stop or a reportable crash an officer asks for proof of insurance, which may be shown electronically on a phone. Title 29-A, §1601, sub-§2
  • Failing to produce proof of insurance is prima facie evidence that the person is uninsured, but the complaint can be dismissed if the person shows coverage was in effect. Title 29-A, §1601, subs. 3-4

Sample Insurance & Collisions questions

A Maine driver cannot produce proof of insurance. What follows under the law?

  • Nothing happens to the driver on the spot
  • Only a written warning is given to the driver
  • The vehicle is towed away on the spot
  • It is prima facie evidence of being uninsured
Show the answer

It is prima facie evidence of being uninsured

The complaint can be dismissed if the driver shows coverage was in effect.

Source: Maine Revised Statutes, Title 29-A, Title 29-A, §1601, subs. 3-4

A driver intentionally flees the scene of a crash that caused serious bodily injury. What is the offense?

  • A traffic infraction
  • A Class C crime
  • A written warning
  • A $50 fine
Show the answer

A Class C crime

A basic failure to stop after an injury crash is a Class D crime.

Source: Maine Revised Statutes, Title 29-A, Title 29-A, §2252, subs. 4-5

What must a driver tell a property owner after hitting their property?

  • Only the name of the insurance company
  • Nothing, if the damage looks small
  • Only the plate number of the vehicle
  • Name, address and registration number
Show the answer

Name, address and registration number

The driver must also let the owner see a license if asked.

Source: Maine Revised Statutes, Title 29-A, Title 29-A, §2255, sub-§2

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About these questions

We wrote these practice questions from the facts in the Maine Driver's License Manual (Maine Driver's License Manual, 'Rev 4/24' on every page (126 PDF pages; file 'Maine Driver License Manual_2.pdf', 7.4 MB), the English manual linked from the Bureau of Motor Vehicles page 'Driver License Manual and Maine Motorist Handbook and Study Guide'; read 2026-11-10. www.maine.gov returns HTTP 403 to non-browser clients, so the same published file was fetched from www1.maine.gov with the project's honest user agent; the citations use the www.maine.gov address linked from the agency page. Page numbers cited are PDF pages (printed numbers run Section-page, for example PDF p. 8 is printed 1-3). The agency page also lists language editions whose file names say 'rev 05_2025'; the English edition found is Rev 4/24, so the owner may want to ask the BMV whether a newer English edition exists. The knowledge-test format comes from the BMV page 'Drivers License Exam' (fetched 2026-11-10). Every legal rule used in questions was checked against the Maine Revised Statutes, Title 29-A, on legislature.maine.gov (pages dated 10/05/2026 by the Revisor) and the BMV license pages. Out-of-date or inconsistent handbook statements and how they were handled: (1) child restraints (PDF pp. 42-43: safety seat under 55 pounds; 55 to 80 pounds and under 8 in a restraint; rear seat for age 12 and under) differ from 29-A M.R.S. 2081: a child under 2 must be in a rear-facing restraint, a child 2 or older under 55 pounds in a harness restraint, a child under 8, under 80 pounds and under 57 inches in a belt-positioning seat, and a child under 12 in the rear seat if possible; questions follow the statute; (2) phones (PDF pp. 7, 25, 27 say phones and handheld devices are prohibited and not to talk on the phone) are simplified: 29-A M.R.S. 2121 bans handheld use for everyone but allows hands-free mode for drivers 18 or older who hold neither a learner's permit nor an intermediate license, with $50 and $250 fines, and 2119 bans texting ($250 minimum); questions follow the statutes; (3) the refusal suspension is described only as 'up to six years' (PDF p. 31), which is the warning text of 2521(3); the periods are 275 days, 18 months, 4 years and 6 years for the first to fourth refusal (2521(6)) and one year for a first refusal with probable cause of a death; questions use the statute; (4) PDF p. 9 counts the 270-day intermediate restrictions from the road test, while 29-A M.R.S. 1311(2) counts them from license issuance; questions use the statute; (5) following distance is 4 seconds on PDF p. 85 but the statute (2066) only says reasonable and prudent, so the 4 seconds is asked only as the manual's advice; (6) PDF p. 81 gives about 158 feet of braking distance at 50 mph while the chart on PDF p. 82 gives 133 feet, and flares are placed 100 feet behind on PDF p. 92 but 200 to 300 feet on PDF p. 99; no question asks these distances; (7) parking distances from hydrants, crosswalks and fire station driveways and the 85-decibel sound-system rule (PDF p. 22) are described as municipal or manual rules and were not found in the 29-A sections read, so they are asked only as what the manual says and the hydrant variable is left open; the $100 disability-space fine on PDF p. 70 is out of date: 29-A M.R.S. 521(9-A) sets $200 to $500 for parking in a disability space without a plate or placard or in an access aisle, and the question follows the statute (independent check 2026-11-10); (8) the points system and the three-point course credit (PDF pp. 13-14) match the Secretary of State rule 29-250 C.M.R. ch. 1 linked from the BMV License Suspensions & Revocations page (warning at half of 12 points, suspension possible at 12 points within a year, points erased after one year, one three-point course credit per twelve months; checked 2026-11-10); violation-free credits were not checked and are not asked; the license validity of six years (four if 65 or older, PDF p. 11) was not checked against statute and is not asked. Material for commercial licenses and the CDL addendum on the same agency page was not used. 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 Maine Bureau of Motor Vehicles (Secretary of State), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.