Key Tennessee facts: Insurance & Collisions
Drivers must notify police at once of any crash with a death, an injury or property damage over $50; if the driver cannot, a passenger who is able must do it. Section B, Chapter 8, Reporting Crashes (p. 89) A crash in which someone is hurt or killed, or any one person's property damage is over $400, is reportable: the owner or driver must file an Owner/Driver Report with the Department of Safety within 20 days. Section B, Chapter 8, Reporting Crashes (p. 89) Drivers must show evidence of financial responsibility when charged with any violation or involved in a crash, whoever is at fault; collision insurance itself is not required. Section B, Chapter 8, Financial Responsibility (p. 88) A driver convicted of failing to show evidence of financial responsibility has driving privileges suspended and a stop placed on renewing tags and registration. Section B, Chapter 8, Financial Responsibility (p. 88) Contributing to a crash adds 3 points for property damage, 4 for bodily injury and 8 when someone is killed. Section B, Chapter 8, Points for Moving Traffic Violations and Crashes (p. 87) Sample Insurance & Collisions questions
A crash causes more than $400 in damage to one person's property. What must the driver or owner also file?
Nothing beyond a call to the insurer A new vehicle registration A claim with the city council An Owner/Driver Report with the Department of Safety Show the answer
An Owner/Driver Report with the Department of Safety
Crashes over the $400 damage threshold, or with injuries, need an Owner/Driver Report to the Department.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Reporting Crashes (p. 89)
What does liability insurance pay for?
Repairs to your own car Only your own medical bills Damage you cause to other people Theft of your car Show the answer
Damage you cause to other people
Liability coverage pays for damages you cause to others.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Financial Responsibility (p. 88)
How many points are added for contributing to a crash that injures someone?
Show the answer
4
The points table gives 4 for an injury crash, 3 for property damage and 8 for a death.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Points for Moving Traffic Violations and Crashes (p. 87)
Does Tennessee law require you to carry collision insurance?
Only for drivers under 18 No Yes, for every driver Only for new cars Show the answer
No
Collision coverage is not required, though you must be able to show financial responsibility.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Financial Responsibility (p. 88)
The driver is too hurt to report a crash, but a passenger is able to. Who must notify the police?
Only the other driver No one The insurance company The passenger Show the answer
The passenger
If the driver can't give notice, a passenger who is able must do it.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Reporting Crashes (p. 89)
A crash must be reported to police at once when it involves injury, death or property damage over what amount?
Show the answer
$50
Tennessee requires immediate notice to police for crashes with injury, death or damage over $50.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Reporting Crashes (p. 89)
After a crash, what does the Tennessee manual say to do with a damaged car's ignition?
Restart it to check for damage Turn it off to help prevent a fire Leave the engine running for heat Disconnect the battery first Show the answer
Turn it off to help prevent a fire
Switching off the ignition of a damaged vehicle lowers the risk of fire.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, If You Are Involved in a Crash - STOP! (p. 89)
What does uninsured motorist coverage protect you against?
Traffic fines Damage to your car in any crash Towing costs Damage caused by people without insurance Show the answer
Damage caused by people without insurance
Uninsured motorist insurance covers damages caused by drivers who have no insurance.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Financial Responsibility (p. 88)
A driver is convicted of failing to show proof of financial responsibility in Tennessee. What follows?
A warning letter A new road test License suspension and a hold on tag renewal Only a $10 fine Show the answer
License suspension and a hold on tag renewal
Driving privileges are suspended and renewal of tags and registration is stopped.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Financial Responsibility (p. 88)
When must a Tennessee driver show evidence of financial responsibility?
Only when renewing a license When charged with any violation or in a crash Never; it is optional Only when at fault in a crash Show the answer
When charged with any violation or in a crash
Proof is required on any charge or crash, regardless of who was at fault.
Source: Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Financial Responsibility (p. 88)
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About these questions
We wrote these practice questions from the facts in the Tennessee Comprehensive Driver License Manual (PDF printing of March 2025 (Authorization No. MT3Q28), information current as of July 1, 2022 per its notice, downloaded 2026-11-08 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 Tennessee Department of Safety and Homeland Security, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
