How long do you have to pay a civil motor vehicle citation or request a hearing?
- 20 days
- 5 days
- One year
- 60 days
Show the answer
20 days
Missing the 20-day window means you are held responsible and owe a large late charge.
Massachusetts Insurance & Collisions practice test
Practice required coverage and what to do after a crash: 18 questions based on the Massachusetts Driver's Manual, 11 of them on Massachusetts's own rules.
Key Massachusetts facts: Insurance & Collisions
- The state's minimum insurance limits are $25,000/$50,000 bodily injury and $30,000 property damage. Chapter 1, Passenger Vehicle Requirements, p. 24
- A required crash report goes to the RMV and the local police within five days. Chapter 5, Reporting a Crash, p. 131; If You Are Involved in a Crash, p. 129
- You must report any crash causing injury or death or $1,000 or more in property damage. Chapter 5, Reporting a Crash, p. 131
- Reporting a crash only to your insurance company is not enough, and failing to file can bring a fine and a license suspension or revocation. Chapter 5, Reporting a Crash, p. 131
- A crash counts as over 50 percent your fault when your insurer applies a Standard of Fault and has paid more than $1,000. Chapter 3, At-Fault Crashes, pp. 58-59
Sample Insurance & Collisions questions
Massachusetts does not issue an insurance card. Which document identifies your insurance carrier?
- Your driver's license
- Your vehicle title
- Your registration
- Your inspection sticker
Show the answer
Your registration
Massachusetts does not issue an insurance card, and your registration identifies your carrier.
How much must your insurer pay, along with finding you at fault, for a crash to count as an at-fault crash?
- More than $5,000
- More than $100
- More than $500
- More than $1,000
Show the answer
More than $1,000
Both a Standard of Fault finding and a payment over $1,000 are needed.
Source: Massachusetts Driver's Manual (Revised April 2026), Chapter 3, At-Fault Crashes, pp. 58-59
Your crash hurt no one. What amount of property damage means you must file a crash report?
- $5,000 or more
- $1,000 or more
- $500 or more
- $100 or more
Show the answer
$1,000 or more
Crashes with injury, death or at least $1,000 in property damage must be reported.
Source: Massachusetts Driver's Manual (Revised April 2026), Chapter 5, Reporting a Crash, p. 131
What license suspension applies to a Habitual Traffic Offender?
- 60 days
- Ten years
- One year
- Four years
Show the answer
Four years
It follows three major violations, or twelve major or minor ones, within five years.
Source: Massachusetts Driver's Manual (Revised April 2026), Chapter 3, Mandatory License Suspensions, p. 62
You have three surchargeable events within two years. What must you do?
- Retake the road test only
- Buy a higher insurance limit
- Finish a Driver Retraining course in 90 days
- Give up your license for a year
Show the answer
Finish a Driver Retraining course in 90 days
If you do not finish the course in that time, your license is suspended until you do.
Source: Massachusetts Driver's Manual (Revised April 2026), Chapter 3, Surchargeable Events, p. 59
Within how many days of a reportable crash must you file a crash report?
- Ten days
- 30 days
- 24 hours
- Five days
Show the answer
Five days
File it within five days with the RMV and with the local police.
What are the Massachusetts minimum insurance limits for bodily injury?
- $50,000/$100,000
- $100,000/$300,000
- $10,000/$20,000
- $25,000/$50,000
Show the answer
$25,000/$50,000
The minimums are $25,000/$50,000 bodily injury, along with $30,000 property damage.
Source: Massachusetts Driver's Manual (Revised April 2026), Chapter 1, Passenger Vehicle Requirements, p. 24
What is the maximum fine for leaving the scene of a crash that injures someone but does not kill them?
- $5,000
- $1,000
- $200
- $500
Show the answer
$1,000
The maximum is $1,000 and up to two years in prison.
Source: Massachusetts Driver's Manual (Revised April 2026), Chapter 5, Hit and Run Crashes, p. 130
You have a crash, no one is hurt and your car still runs. What does the Driver Removal Law require?
- Wait until both insurers arrive
- Move it out of the travel lanes
- Drive home and call later
- Leave it there for the police
Show the answer
Move it out of the travel lanes
Without injuries, get vehicles out of the traffic lanes and somewhere safe.
Source: Massachusetts Driver's Manual (Revised April 2026), Chapter 5, Property Damage Only, p. 129
More Massachusetts practice
- Full practice testAll topics, as in the knowledge test
- Road SignsWhat signs mean and what to do when you see them87 questions, 9 on Massachusetts rules
- Right-of-WayWho goes first at intersections, crosswalks and roundabouts27 questions, 14 on Massachusetts rules
- Traffic SignalsLights, arrows and pedestrian signals27 questions, 8 on Massachusetts rules
- Lanes & TurnsLane markings, turns, passing and merging32 questions, 13 on Massachusetts rules
- Speed LimitsLimits and how to adjust your speed18 questions, 11 on Massachusetts rules
- ParkingCurb colors, hills and where you can't park22 questions, 10 on Massachusetts rules
- Safe DrivingFollowing distance, weather, night driving and sharing the road56 questions, 20 on Massachusetts rules
- Alcohol & DrugsBlood alcohol limits, DUI rules and medication27 questions, 16 on Massachusetts rules
- EmergenciesBreakdowns, emergency vehicles and railroad crossings27 questions, 14 on Massachusetts rules
- License RulesPermits, restrictions for new drivers and points26 questions, 26 on Massachusetts rules
- Phones & DistractionPhone rules and other distractions17 questions, 10 on Massachusetts rules
About these questions
We wrote these practice questions from the facts in the Massachusetts Driver's Manual (Revised April 2026 (cover letter), English PDF, text read in the built-in browser on 2026-11-08 because mass.gov refuses plain downloads; page numbers in sections are the manual's printed numbers (PDF page = printed page + 8) 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 Massachusetts Registry of Motor Vehicles (RMV), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.