Maryland Insurance & Collisions practice test

Key Maryland facts: Insurance & Collisions

• In a crash with an injury, stay at the scene, call 911 at once and do not move the vehicles. Section 8.A, p. 43
• With no injuries but a car that cannot move, call 911 and report that police assistance is needed. Section 8.A, p. 43
• After any crash, warn other drivers with emergency flashers or flares. Section 8.A, p. 43
• Always call police if someone is hurt, a vehicle cannot move, a driver seems impaired or unlicensed, a driver tries to leave, or public property is damaged. Section 8.A, p. 43-44
• Leaving the scene of a serious-injury crash means revocation and up to 5 years in prison and a $5,000 fine. Section 8.A, p. 43

Sample Insurance & Collisions questions

You leave the scene of a crash with serious injury and are convicted. What is the maximum prison term?

• Up to 5 years
• Up to 10 years
• Up to 1 year
• Up to 30 days

Show the answer

Up to 5 years

You also lose your license by revocation and can be fined up to $5,000.

Source: Maryland Driver's Manual, Section 8.A, p. 43

What insurance must the owner of a Maryland-registered motor vehicle carry?

• Theft coverage only
• Personal injury and property damage liability
• Collision coverage only
• None, it is optional

Show the answer

Personal injury and property damage liability

The insurer must be licensed in Maryland, and coverage must meet the legal amounts.

Source: Maryland Driver's Manual, Section 10.E, p. 52

What is leaving the scene of a crash in which someone dies?

• A traffic ticket with one point
• A misdemeanor with a small fine
• A violation with up to 30 days
• A felony with up to 10 years in prison

Show the answer

A felony with up to 10 years in prison

The fine can also reach $10,000.

Source: Maryland Driver's Manual, Section 8.A, p. 43

What should you turn on right after any crash to warn others?

• Your radio
• Your interior lights
• Your emergency flashers
• Your high beams

Show the answer

Your emergency flashers

Flashers or flares warn other drivers.

Source: Maryland Driver's Manual, Section 8.A, p. 43

Which situation always requires calling police after a crash?

• It is raining at the scene
• A driver appears impaired
• Both cars have minor scratches
• The drivers disagree on the time

Show the answer

A driver appears impaired

Injuries, a stuck vehicle, an impaired or unlicensed driver, a driver leaving and public property damage all qualify.

Source: Maryland Driver's Manual, Section 8.A, p. 43-44

An officer asks for your insurance card and you refuse to show it. What could happen?

• Only your insurer is told
• Nothing, it is optional
• You could be fined
• You must buy new coverage

Show the answer

You could be fined

You must show the card when an officer asks for it.

Source: Maryland Driver's Manual, Section 10.E, p. 52

Your crash caused no injuries, but your car cannot move. What should you tell 911?

• No injuries, police assistance needed
• That you will leave the car
• That you need an ambulance
• Nothing, call your insurer only

Show the answer

No injuries, police assistance needed

Give the location and stay well away from traffic.

Source: Maryland Driver's Manual, Section 8.A, p. 43

Someone is injured in a crash. What should you do with the vehicles?

• Do not move them
• Drive them to the nearest lot
• Push them out of the lane
• Move them to the shoulder

Show the answer

Do not move them

With injuries, leave the vehicles where they are.

Source: Maryland Driver's Manual, Section 8.A, p. 43

You hit and injure a dog with your car. What must you do?

• Call the police at once
• Only tell your insurer
• Wait until you get home
• Drive on, it was an accident

Show the answer

Call the police at once

Injuring a domestic animal requires an immediate call to police.

Source: Maryland Driver's Manual, Section 8.A, p. 44

What can happen if you do not keep insurance on a vehicle?

• A fine of up to $2,500 per vehicle a year
• A warning with no fine
• A fine of up to $25 per vehicle a year
• A one-time fine of $5

Show the answer

A fine of up to $2,500 per vehicle a year

The manual reminds drivers that going without insurance is against the law.

Source: Maryland Driver's Manual, Section 10, sidebar, p. 53

Take this topic's test

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About these questions

We wrote these practice questions from the facts in the Maryland Driver's Manual (DL-002 (10-26), October 2026 Edition (the notice page, p. 2, also still prints the older form number DL-002 (05-23)) 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 Maryland Motor Vehicle Administration (MVA), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.