Key Texas facts: Insurance & Collisions
Texas minimum liability insurance covers $30,000 for injury or death of one person. Chapter 3, Safety Responsibility, pp. 18-19 Texas minimum liability insurance covers $60,000 for injury or death of two or more people. Chapter 3, Safety Responsibility, pp. 18-19 Texas minimum liability insurance covers $25,000 for property damage. Chapter 3, Safety Responsibility, pp. 18-19 Texas drivers must show proof of financial responsibility to an officer on request and to others in a crash. Chapter 3, Safety Responsibility, pp. 18-19 An image on a phone showing the required policy details is accepted as proof of insurance in Texas. Chapter 3, Safety Responsibility, pp. 18-19 Sample Insurance & Collisions questions
What is the fine for a first Texas conviction of driving without evidence of financial responsibility?
$175 to $350 $25 to $50 $1,000 to $2,000 Show the answer
$175 to $350
A first conviction brings a fine of $175 to $350. Later convictions bring higher fines, a suspension and possible impoundment.
Source: Texas Driver Handbook (DL-7, revised January 2026), Chapter 3, Safety Responsibility, pp. 18-19
Can you show proof of insurance on your phone in Texas?
No, only a paper card counts Yes, if it shows the required information Only when an insurance agent is present Show the answer
Yes, if it shows the required information
An image on a wireless device is accepted if it includes what the standard insurance form requires.
Source: Texas Driver Handbook (DL-7, revised January 2026), Chapter 3, Safety Responsibility, pp. 18-19
What information must you give after a Texas crash with an occupied vehicle?
Your name, address, registration number and insurer Only your first name and phone number Your employer and your home's value Show the answer
Your name, address, registration number and insurer
Texas law lists name, address, registration number and insurer. A driver license must also be shown if requested and available.
Source: Texas Transportation Code, Chapter 550, Sec. 550.023, Duty to Give Information and Render Aid
What is the Texas minimum liability coverage for injury or death of two or more people?
Show the answer
$60,000
The Texas minimums are $30,000 for one person, $60,000 for two or more people and $25,000 for property damage.
Source: Texas Driver Handbook (DL-7, revised January 2026), Chapter 3, Safety Responsibility, pp. 18-19
In which Texas crash situation should you notify law enforcement as soon as possible?
The vehicles cannot be moved off the road You and the other driver agree on the facts The other driver offers to pay for repairs Show the answer
The vehicles cannot be moved off the road
The handbook lists injury or death, vehicles that can't be moved, a driver leaving the scene and a suspected intoxicated driver.
Source: Texas Driver Handbook (DL-7, revised January 2026), Chapter 11, Motor Vehicle Crashes, p. 59
You hit an unattended vehicle in Texas. What must the note you leave include?
Your insurance card and a signature Only your license plate number Your name, address and what happened Show the answer
Your name, address and what happened
You must stop and either find the owner or attach a visible note with your name, your address and the circumstances.
Source: Texas Driver Handbook (DL-7, revised January 2026), Chapter 11, Crash Involving an Unattended Vehicle, p. 60
What is the Texas minimum liability coverage for property damage?
Show the answer
$25,000
Texas law requires at least $25,000 of coverage for property damage.
Source: Texas Driver Handbook (DL-7, revised January 2026), Chapter 3, Safety Responsibility, pp. 18-19
Who may ask a Texas driver for proof of financial responsibility?
Only your own insurer An officer or anyone in a crash with you Only the county tax office Show the answer
An officer or anyone in a crash with you
Every owner or operator must provide this evidence to an officer on request and to another person involved in a crash.
Source: Texas Driver Handbook (DL-7, revised January 2026), Chapter 3, Safety Responsibility, pp. 18-19
According to the Texas handbook, when should you move a crash victim?
Only if it is absolutely necessary Whenever the victim is uncomfortable As soon as you reach the victim Show the answer
Only if it is absolutely necessary
Unskilled handling can do more harm than good. If moving someone is necessary, get help and keep the person's position as found.
Source: Texas Driver Handbook (DL-7, revised January 2026), Chapter 11, Aiding the Injured, p. 60
After a damage-only crash on a Texas freeway in a metropolitan area, your car can still be driven safely. Where should you exchange information?
At your home the next morning At a suitable spot such as the frontage road In the main lane where it happened Show the answer
At a suitable spot such as the frontage road
Each driver must move to a designated investigation site, the frontage road, a nearby cross street or another suitable place as soon as possible.
Source: Texas Transportation Code, Chapter 550, Sec. 550.022, Collision Involving Damage to Vehicle
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About these questions
We wrote these practice questions from the facts in the Texas Driver Handbook (DL-7) (Revised January 2026 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 Texas Department of Public Safety, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.
