Key New York facts: Insurance & Collisions
Sample Insurance & Collisions questions
Downed wires are lying near a crashed vehicle in New York. What should you tell people inside?
Move the wires out of the way Stay inside until help arrives Get out and run to the road Show the answer
Stay inside until help arrives
Don't go near the wires yourself.
Source: New York State Driver's Manual (MV-21), Chapter 12, If You Are in a Traffic Crash
How soon must a reportable New York crash be reported to the DMV?
Within 90 days Within 10 days Within one year Show the answer
Within 10 days
Failure to report can mean suspension or revocation of your license and registrations.
Source: New York State Driver's Manual (MV-21), Chapter 12, If You Are in a Traffic Crash
After a property-damage-only crash in New York, what must you give the other drivers?
Your name, license and insurance details Nothing, unless police arrive Only your first name Show the answer
Your name, license and insurance details
Give your name, address, license number, registration and insurance information, including the policy number and effective date.
Source: New York State Driver's Manual (MV-21), Chapter 12, If You Are in a Traffic Crash
You reported a crash to your insurance company. Does that meet your New York DMV reporting duty?
Yes, unless someone was hurt No, you must still report to the DMV Yes, the insurer sends it for you Show the answer
No, you must still report to the DMV
The DMV report is your own legal obligation, on form MV-104, with a 10-day deadline.
Source: New York State Driver's Manual (MV-21), Chapter 12, If You Are in a Traffic Crash
What is the minimum property damage liability coverage required in New York?
Show the answer
$10,000
This limit applies to damage from any one incident.
Source: New York State Driver's Manual (MV-21), Chapter 3, Owning a Vehicle
Your New York auto insurance is about to end. What should you do with your plates?
Keep them on the car until renewal Mail them to your insurance company Return them to a motor vehicle office Show the answer
Return them to a motor vehicle office
If you don't, you may face a civil penalty for each uninsured day, or a suspended registration.
Source: New York State Driver's Manual (MV-21), Chapter 3, Owning a Vehicle
What kind of offense is failing to report a reportable crash in New York?
A parking violation A violation with no penalty A misdemeanor Show the answer
A misdemeanor
Your license and registrations, along with the vehicle owner's, can also be suspended or revoked.
Source: New York State Driver's Manual (MV-21), Chapter 12, If You Are in a Traffic Crash
When does New York's manual say you may move an injured person at a crash scene?
Whenever the car is blocking traffic If fire or another deadly danger makes it necessary Whenever they ask you to do so Show the answer
If fire or another deadly danger makes it necessary
If you have to move the person, keep the neck and back straight.
Source: New York State Driver's Manual (MV-21), Chapter 12, If You Are in a Traffic Crash
What is the lowest amount of property damage to any one person that makes a New York crash reportable to the DMV?
Show the answer
$1,000
Crashes with a fatality or personal injury must also be reported, whatever the property damage.
Source: New York State Driver's Manual (MV-21), Chapter 12, If You Are in a Traffic Crash
Your registered New York car sits unused all winter. Does it still need liability insurance?
No, if it stays parked at home No, only if it is driven Yes, while it stays registered Show the answer
Yes, while it stays registered
Before coverage ends, return your plates to a motor vehicle office and get a receipt.
Source: New York State Driver's Manual (MV-21), Chapter 3, Owning a Vehicle
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About these questions
We wrote these practice questions from the facts in the New York State Driver's Manual (MV-21) (Undated PDF, file created 2026-04-20; copyright line reads 2018 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 York State DMV, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
