Key New Jersey facts: Insurance & Collisions
If a crash causes injury or more than $500 in damage and police file no report, send a written report to the MVC within 10 days. Chapter 5, Reporting Crashes, p. 111 A hit-and-run with injury or death can bring a $2,500 to $5,000 fine and/or 180 days in jail, and a one-year license loss for a first offense. Chapter 7, Motor Vehicle Violations, p. 128-132 Leaving the scene of a crash is 8 points when someone is hurt and 2 points when no one is. Chapter 7, Moving Violation Point Chart, p. 138-140 A first offense of driving uninsured brings a $300 to $1,000 fine, a one-year license loss and a $250 yearly surcharge for three years. Chapter 7, Driving offense penalties table, p. 126 Each insured vehicle gets an insurance ID card that stays in the vehicle; an electronic card is accepted. Chapter 9, Insurance, p. 161 Sample Insurance & Collisions questions
You hit an unattended parked car in New Jersey. What does the manual say to do?
Leave if the damage is small Notify the police and try to find the owner Call only your insurer Wait a day, then call Show the answer
Notify the police and try to find the owner
Police must be told, and you should try to locate the owner.
Source: New Jersey Driver Manual, Chapter 5, Crashes (Accidents), p. 109-110
What fine can a New Jersey driver face for a hit-and-run that injures someone?
$500 to $750 $50 to $100 $2,500 to $5,000 $100,000 Show the answer
$2,500 to $5,000
The fine is $2,500 to $5,000, and jail of up to 180 days is possible.
Source: New Jersey Driver Manual, Chapter 7, Motor Vehicle Violations, p. 128-132
What happens to the license of a first-time hit-and-run driver in New Jersey when someone is hurt?
It is lost for ten years It is lost for one year Nothing happens to it It is lost for one week Show the answer
It is lost for one year
A first offense means a one-year license loss, plus heavy fines and possible jail.
Source: New Jersey Driver Manual, Chapter 7, Motor Vehicle Violations, p. 128-132
You cancel the insurance on your New Jersey vehicle. What must you do with its plates?
Return them to the MVC Give them to a friend Throw them away Keep them in the trunk Show the answer
Return them to the MVC
Plates go back to the MVC when insurance ends.
Source: New Jersey Driver Manual, Chapter 9, License Plates, p. 159
How many points does New Jersey assess for leaving the scene of a crash where someone was hurt?
Show the answer
8
Leaving the scene costs 8 points when there is an injury and 2 when there is not.
Source: New Jersey Driver Manual, Chapter 7, Moving Violation Point Chart, p. 138-140
New Jersey accepts an electronic version of your insurance ID card.
Show the answer
True
Each insured vehicle has an ID card that must be in the vehicle, and an electronic version is accepted.
Source: New Jersey Driver Manual, Chapter 9, Insurance, p. 161
What civil fine can New Jersey impose for each act of auto insurance fraud?
Up to $150 No fine Up to $1,500 Up to $15,000 Show the answer
Up to $15,000
Insurance fraud can bring civil fines of up to $15,000 per violation and criminal charges.
Source: New Jersey Driver Manual, Chapter 9, Insurance, p. 161
Your New Jersey crash caused an injury, and police filed no report. What must you do?
Call the MVC within 30 days Mail photos to the court Nothing further Send a written report to the MVC within 10 days Show the answer
Send a written report to the MVC within 10 days
When there is injury or over $500 in damage and no police report, a written report must reach the MVC within 10 days.
Source: New Jersey Driver Manual, Chapter 5, Reporting Crashes, p. 111
What fine can a first offense of driving uninsured bring in New Jersey?
$300 to $1,000 $5,000 to $10,000 No fine $25 to $50 Show the answer
$300 to $1,000
A first offense also means losing your license for a year and a $250 surcharge each year for three years.
Source: New Jersey Driver Manual, Chapter 7, Driving offense penalties table, p. 126
You see a vehicle's emergency flashers on the road ahead. What should you do?
Stop and watch from your lane Keep your speed and change lanes late Slow down and pass carefully Show the answer
Slow down and pass carefully
A crash or some other emergency may be just ahead. Avoid crowding the area so that help can get through.
Source: California Driver's Handbook, Section 10, Financial Responsibility, Insurance Requirements, and Collisions ; New Jersey Driver Manual, Chapter 4, Special Highway Conditions: Disabled Vehicles, p. 71; Move Over Law, p. 78 ; Arizona Driver License Manual and Customer Service Guide, Section 3, Roadway and Vehicle Knowledge: Move Over Law (p. 38-39) ; Tennessee Comprehensive Driver License Manual, Section B, Chapter 5, Move Over Law (p. 72) ; Minnesota Driver's Manual, Chapter 4, Passing parked emergency and service vehicles, p. 44 ; Colorado Driver Handbook (DR 2337), Crash Tips, Move Over Law, printed p. 27 (PDF p. 30) ; Oklahoma Driver Manual, Chapter 5, You Must Always Yield, p. 29; Move Over Law, p. 30 ; NRS 484B.607, NRS 484B.607(1), (3)(h), (3)(j) ; 21 Del. C. § 4134, 21 Del. C. § 4134(b)(1)e and (b)(2) ; Maine Revised Statutes, Title 29-A, Title 29-A, §2070, sub-§8 ; R.I. Gen. Laws § 31-14-3, R.I. Gen. Laws § 31-14-3(a)
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About these questions
We wrote these practice questions from the facts in the New Jersey Driver Manual (2026 edition (back cover code R0726), PDF modified 2026-09-23, read 2026-11-07 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 New Jersey Motor Vehicle Commission (MVC), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
