Key Michigan facts: Insurance & Collisions
Sample Insurance & Collisions questions
With no one hurt, about how much property damage means a Michigan crash must be reported to police?
Show the answer
$1,000
Notify the police of injuries or property damage over about $1,000. State law also requires a report of damage at $1,000 or more.
Source: What Every Driver Must Know (SOS-133, Rev. 10/2025), Chapter 7, Crashes, p. 65
You hit an unattended vehicle in Michigan and can't find its owner. What does state law require?
Wait a full day for the owner Report it at your next renewal Report it only if the damage is large Report it to the nearest police officer Show the answer
Report it to the nearest police officer
Stop immediately and try to find the owner. If you can't locate the owner, report it to the nearest or most convenient officer.
Source: Michigan Vehicle Code, MCL 257.620
You damage a roadside fixture such as a fence or sign in Michigan. What must you do?
Nothing, if no vehicle was damaged Wait for a bill by mail Repair it yourself by the next day Take reasonable steps to notify its owner Show the answer
Take reasonable steps to notify its owner
You need to give the owner or person in charge your name, address and vehicle registration number.
Source: Michigan Vehicle Code, MCL 257.621
How many points does failing to stop and identify yourself at a Michigan crash scene add?
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Six
This is among the most serious violations on the point system. Leaving the scene is also punishable by fines, jail time or both.
Source: What Every Driver Must Know (SOS-133, Rev. 10/2025), Chapter 2, Michigan's point system, pp. 13-14
You hit a deer in Michigan. Whom should you report it to?
Local law enforcement or the DNR The nearest driving school The Secretary of State The Department of Transportation Show the answer
Local law enforcement or the DNR
You can also report it to the county sheriff's office or the Michigan State Police, who can provide a permit to keep the deer.
Source: What Every Driver Must Know (SOS-133, Rev. 10/2025), Chapter 7, Vehicle-deer crashes, p. 65
You can't produce proof of insurance when a Michigan police officer asks. What kind of violation is it?
A felony A violation only after a crash A civil infraction No violation at all Show the answer
A civil infraction
An electronic copy of the certificate is allowed, and a court can require you to surrender your license for this violation.
Source: Michigan Vehicle Code, MCL 257.328
After a Michigan crash with no serious injury, who may move a drivable vehicle from the main roadway?
Only a tow truck driver Only the other driver The driver or a licensed passenger Only a police officer Show the answer
The driver or a licensed passenger
If it can be driven and it is safe, move it to a safe spot such as the shoulder, median or a nearby parking lot.
Source: What Every Driver Must Know (SOS-133, Rev. 10/2025), Chapter 7, Crashes, p. 65
A crash with a deer on a Michigan road can't be avoided. What should you do?
Speed up to get past it Veer sharply around the deer Take both hands off the wheel Stay in your lane and brake firmly Show the answer
Stay in your lane and brake firmly
Hold the wheel with both hands, come to a controlled stop and steer well off the roadway.
Source: What Every Driver Must Know (SOS-133, Rev. 10/2025), Chapter 7, Vehicle-deer crashes, p. 65
At what times of day should you be especially alert for deer in Michigan?
At dawn and dusk In mid-afternoon At noon Only at midnight Show the answer
At dawn and dusk
Be especially alert in fall and spring too, though these crashes can happen at any time of year.
Source: What Every Driver Must Know (SOS-133, Rev. 10/2025), Chapter 7, Vehicle-deer crashes, p. 65
Which insurance must the owner of a registered vehicle maintain in Michigan?
Personal protection, property protection and residual liability Collision and comprehensive coverage only Rental car and glass repair coverage only Roadside assistance and towing coverage only Show the answer
Personal protection, property protection and residual liability
Michigan's insurance code requires an owner or registrant to keep all three in effect.
Source: Michigan Insurance Code, MCL 500.3101
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About these questions
We wrote these practice questions from the facts in the What Every Driver Must Know (SOS-133) (Revised October 2025 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 Michigan Department of State (Secretary of State), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
