Rhode Island Insurance & Collisions practice test

Practice required coverage and what to do after a crash: 27 questions based on the Rhode Island Driver's Manual, 13 of them on Rhode Island's own rules.

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Key Rhode Island facts: Insurance & Collisions

  • Minimum liability insurance is $25,000 per person for bodily injury or death, $50,000 per accident for two or more people, and $25,000 for property damage, or $75,000 combined single limit. R.I. Gen. Laws § 31-47-2(13)(i)(A)
  • An owner who knowingly operates or allows operation without required insurance may face a license and registration suspension of up to 3 months and a $100 to $500 fine for a first offense. R.I. Gen. Laws § 31-47-9(a)(1)
  • Drivers must carry proof of insurance and registration; electronic proof of insurance is allowed during a police stop. When Stopped by a Law Enforcement Officer, PDF p. 67
  • A driver in a crash with injury must immediately stop, return to the scene and stay until the duties to give information and aid are fulfilled. R.I. Gen. Laws § 31-26-1(a)
  • A driver in a crash must give name, address and vehicle registration number and show a license on request, give reasonable help to anyone injured and promptly notify police. R.I. Gen. Laws § 31-26-3(a)

Sample Insurance & Collisions questions

How does Rhode Island treat a second conviction for reckless driving?

  • As a warning
  • As a felony
  • As a misdemeanor with a fine only
  • As a civil infraction
Show the answer

As a felony

A first conviction is a misdemeanor.

Source: R.I. Gen. Laws § 31-27-4, R.I. Gen. Laws § 31-27-4

You are in a crash where someone is hurt. What must you do?

  • Stop at once and stay until your duties are done
  • Drive on and call the police from home
  • Leave if the other driver says they are fine
  • Stay only if the police have been called
Show the answer

Stop at once and stay until your duties are done

Knowingly leaving the scene of an injury crash is punished by law.

Source: R.I. Gen. Laws § 31-26-1, R.I. Gen. Laws § 31-26-1(a)

A crash causes more than $1,000 in property damage. How soon must the driver file a written report with the DMV?

  • Within 90 days
  • Within 21 days
  • Within 24 hours
  • Within 48 hours
Show the answer

Within 21 days

A report is also required when anyone is injured or killed.

Source: R.I. Gen. Laws § 31-26-6, R.I. Gen. Laws § 31-26-6

You hit a parked car and the owner is not around. What must you do?

  • Wait a week before reporting to the police
  • Leave only your phone number under the wiper
  • Leave a note with name and address and call police
  • Drive away because nobody saw the damage happen
Show the answer

Leave a note with name and address and call police

The note must be in a conspicuous place on the vehicle.

Source: R.I. Gen. Laws § 31-26-4, R.I. Gen. Laws § 31-26-4

After a crash, what must a driver give the other driver on request?

  • Your date of birth and home phone number only
  • Name, address, registration number and license
  • Nothing until a lawyer or officer arrives
  • Your Social Security number and employer
Show the answer

Name, address, registration number and license

The driver must also give reasonable help to anyone injured.

Source: R.I. Gen. Laws § 31-26-3, R.I. Gen. Laws § 31-26-3(a)

You hit an attended car and drive away. What penalty can apply under Rhode Island law?

  • A $50 fine and no other consequence
  • Only a written warning for a first offense
  • No penalty if the damage is minor
  • A $500-$1,000 fine, suspension and/or jail
Show the answer

A $500-$1,000 fine, suspension and/or jail

A misdemeanor charge applies when the driver does not stop and give information.

Source: R.I. Gen. Laws § 31-26-2, R.I. Gen. Laws § 31-26-2

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About these questions

We wrote these practice questions from the facts in the Rhode Island Driver's Manual (Rhode Island Driver's Manual, April 2024 edition (cover date; 87 PDF pages; PDF pages equal the printed page numbers), the manual linked from the Division of Motor Vehicles' Operator Manuals page and read 2026-11-10 at dmv.ri.gov/media/966/download. dmv.ri.gov pages and that file are behind a Cloudflare check that blocks curl (HTTP 403), so the pages and the PDF were read in the built-in browser and the PDF text was extracted there and saved to sources/RI/handbook.txt (the 2024 PDF itself could not be saved with curl). An older manual dated rev. 08/2015 (Driver_Manual_FINAL.pdf) is still on dmv.ri.gov and was saved as sources/RI/handbook_2015.pdf only to compare editions. The manual says on PDF p. 6 that it is a guideline and not a legal document, so every legal rule used in questions was checked against R.I. Gen. Laws Title 31 on webserver.rilegislature.gov (sections read 2026-11-10, including laws amended in 2025). Out-of-date or inconsistent manual statements and how they were handled: (1) DUI and chemical test refusal (PDF pp. 61-63) count repeat offenses within 5 years, but R.I. Gen. Laws 31-27-2 and 31-27-2.1 count them within 10 years; questions use the statute. (2) Phones (PDF pp. 36-37) describe only the ban for drivers under 18 and texting; since July 2, 2025 (2025 P.L. ch. 401 and 402) 31-22-30 bars using a handset for any purpose while driving except hands-free, and 31-22-31 bars hand-held calls ($100 fine); questions use the statutes. (3) Full license age: PDF p. 14 says at least 17 years 6 months, 31-10-6(b)(3) says at least 17 and under 18; no question asks the age. (4) Fines: PDF pp. 27 and 59 give $85 for a child restraint violation and PDF p. 58 gives $500 for no proof of insurance, while the schedule in 31-41.1-4 shows $100 for a child restraint violation and 31-47-9 sets $100 to $500 for a first insurance offense; school bus penalty PDF p. 54 says $250 to $500 while 31-20-12 says up to $300 for a first offense ($250 to $500 applies to camera cases under 31-51-2.2); no question asks these fines except the insurance penalty, which follows 31-47-9. (5) Shared (two-way) left turn lane (PDF p. 38): the manual says no entry unless turning within 100 feet, but 31-15-19(2) allows driving in the lane up to 200 feet; the question uses 200. (6) Bicycle passing: PDF p. 55 advises 3 to 5 feet of clearance, while 31-15-18 defines a safe distance as enough to prevent contact if the cyclist falls, with no fixed number; the question uses the statute and bicycle_pass_ft is left open. (7) Permit validity: PDF p. 12 says the permit lasts until age 18 and can be renewed twice, the DMV New License Permits page says a permit may be renewed one time, and 31-10-6(b)(1) says valid one year; no question asks it. (8) The manual cites the car door law as 31-21-1 (PDF p. 56) but it is 31-21-14; the question cites 31-21-14. (9) Adult learners: the manual does not state the 30-day wait before an adult permit holder's road test; the DMV New License Permits page does, and the question cites that page. (10) Right-turn-on-red, the stop-sign three-second pause (PDF p. 32) and lane-position advice are manual guidance; only the first is also in statute (31-13-6(3)(i)(A)). (11) The older 2015 manual's license renewal ages (2-year license from age 68) and texting fines ($85 to $125) are superseded and not used. 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 Rhode Island Division of Motor Vehicles, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.