Utah Insurance & Collisions practice test

Key Utah facts: Insurance & Collisions

• Notify law enforcement at once if a crash causes injury, death or apparent property damage of $2,500 or more. Utah Code 41-6a-401(4); Section 12, Crashes and Insurance, PDF p. 75
• After a crash with property damage only, the driver may move the vehicle out of the travel lanes to a safe nearby spot and must stay there until the duties are met. Utah Code 41-6a-401(2); Section 12, PDF p. 75
• Drivers in a crash exchange name, address, vehicle registration number and insurance provider with phone number. Utah Code 41-6a-401(3); Section 12, PDF p. 75
• If you damage an unattended vehicle and cannot find the owner, leave a secure note with your name, address and vehicle registration number. Utah Code 41-6a-401(5); Section 12, PDF p. 75
• A driver in an injury crash must give reasonable help to the injured, including arranging transport for medical care when it is clearly needed or requested. Section 12, Crashes and Insurance, PDF p. 75

Sample Insurance & Collisions questions

Someone is hurt in your crash and needs a doctor. What must you do?

• Move them, even if badly hurt
• Leave before the police arrive
• Help them, including arranging transport
• Only take photos of the scene

Show the answer

Help them, including arranging transport

Avoid moving a seriously injured person unless it prevents further injury.

Source: Utah Driver Handbook, Section 12, Crashes and Insurance, PDF p. 75

A hit-and-run driver injures you. Which coverage pays for your injuries?

• Roadside assistance
• Collision
• Uninsured motorist
• Comprehensive

Show the answer

Uninsured motorist

It covers you and your passengers, but generally not property damage.

Source: Utah Driver Handbook, Section 12, D. Insurance Coverage, PDF p. 79

Which coverage is required by Utah law?

• Comprehensive coverage
• Collision coverage
• Personal injury protection
• Rental car coverage

Show the answer

Personal injury protection

Liability coverage is also mandatory. A lender may require collision or comprehensive.

Source: Utah Driver Handbook, Section 12, D. Insurance Coverage, PDF p. 79

No one is hurt in a crash on a busy road. What may you do with your car?

• Move it out of the travel lanes
• Drive home and call later
• Push it into the median
• Leave it where it is

Show the answer

Move it out of the travel lanes

Move to a safe spot such as the shoulder or a cross street, and stay until your duties are done.

Source: Utah Code 41-6a-401, Utah Code 41-6a-401(2); Section 12, PDF p. 75

What does Utah's Financial Responsibility Act require?

• Insuring your vehicle or yourself as a driver
• Joining an approved motor club
• Passing a driving test every year
• Replacing your car every ten years

Show the answer

Insuring your vehicle or yourself as a driver

Driving uninsured can cost you your license, registration and plates.

Source: Utah Driver Handbook, Section 12, C. Financial Responsibility, PDF p. 78

A crash causes only property damage. When must you notify police right away?

• Only when damage tops $50,000
• Never, if there is damage only
• Only if the other driver asks you to
• When damage looks like $2,500 or more

Show the answer

When damage looks like $2,500 or more

Crashes with any injury or death must always be reported at once.

Source: Utah Code 41-6a-401, Utah Code 41-6a-401(4); Section 12, Crashes and Insurance, PDF p. 75

You damage an empty parked car and its owner is nowhere around. What must you do?

• Leave a secure note with your details
• Drive away, since no one saw it
• Wait one hour, then leave
• Call your insurer and nobody else

Show the answer

Leave a secure note with your details

The note gives your name, address and vehicle registration number.

Source: Utah Code 41-6a-401, Utah Code 41-6a-401(5); Section 12, PDF p. 75

What must drivers exchange after a crash?

• Nothing, if no one is hurt
• Name, address, registration and insurance
• Social Security numbers and birth dates
• Only phone numbers and first names

Show the answer

Name, address, registration and insurance

Include your insurance provider and the agent's or provider's phone number.

Source: Utah Code 41-6a-401, Utah Code 41-6a-401(3); Section 12, PDF p. 75

A court orders you to pay crash damages. What happens if you do not pay within 60 days?

• Your driving privilege is suspended
• You must retake the eye test
• Nothing happens
• Your fine is cut in half

Show the answer

Your driving privilege is suspended

The suspension lasts until the judgment is paid and SR22 future proof is filed.

Source: Utah Driver Handbook, Section 12, Unsatisfied Judgment, PDF p. 78

An officer asks for proof of insurance. May you show it on your phone?

• Yes, electronic proof is allowed
• Only with a signed letter from your insurer
• No, only a paper card counts
• No, you never have to show proof

Show the answer

Yes, electronic proof is allowed

Proof of insurance must be in the vehicle whenever it is driven and shown to an officer who asks.

Source: Utah Driver Handbook, Section 12, Uninsured Motorist, Note, PDF p. 79

Take this topic's test

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About these questions

We wrote these practice questions from the facts in the Utah Driver Handbook (2026 edition (Driver-Handbook-2026.pdf on dld.utah.gov, last modified 2026-08-27, 115 PDF pages; lists new laws effective May 6, 2026), read 2026-11-09. Page numbers cited are PDF pages (PDF page = printed page + 10). Where the handbook is silent or out of date, the Driver License Division pages on dld.utah.gov and the Utah Code on le.utah.gov (Titles 41 and 53, read 2026-11-09) are the source. Handbook statements that differ from the current Utah Code and were left out of the questions: child restraint 'eight and under' (Utah Code 41-6a-1803: younger than eight) and 'a citation for each unrestrained passenger' (41-6a-1803(3): one offense); driving without insurance 'class B misdemeanor' (41-12a-302(3), amended 2026: class C); failing to stop at an injury crash 'third-degree felony' (41-6a-401.3(4): class A misdemeanor unless aggravated); a DUI plea held in abeyance (41-6a-502(7): a plea may not be held in abeyance); ignition interlock periods of three years under 21 and 10 years for automobile homicide (41-6a-518.2(2): two and four years); and the age-16 night restriction in the handbook table (41-8-2: younger than 17; the questions use a 16-year-old). 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 Utah Driver License Division, and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.