Practice required coverage and what to do after a crash: 22 questions based on the Virginia Driver's Manual (DMV 39), 8 of them on Virginia's own rules.
Lets you register the vehicle, with no insurance coverage
The fee allows registration and driving for a year but provides no insurance.
A $600 noncompliance fee
You must also have proof of insurance filed for three years.
$30,000
Policies effective on or after January 1, 2022 need at least $30,000 per person.
Report it to police within 24 hours
Leave your contact details and crash information, and report to police within 24 hours.
Source: Virginia Driver's Manual (DMV 39), Section 3, Safe Driving: Traffic Crashes (p. 25)
$3,000
Reports go to DMV for crashes with injury, death or damage over $3,000.
Source: Virginia Driver's Manual (DMV 39), Section 3, Safe Driving: Traffic Crashes (p. 25)
Right away
Contact your insurer immediately after a crash.
Source: Virginia Driver's Manual (DMV 39), Section 3, Safe Driving: Traffic Crashes (p. 25)
$20,000
The minimum for property damage is $20,000.
With your vehicle between you and traffic
Use your car as a shield from moving traffic when possible.
Source: Virginia Driver's Manual (DMV 39), Section 3, Safe Driving: Traffic Crashes (p. 25)
No, you must stay at the scene
Leaving the scene of a crash with injuries is a serious offense.
Source: California Driver's Handbook, Section 7, Laws and Rules of the Road (continued); Texas Driver Handbook, Chapter 11, Motor Vehicle Crashes, p. 59; Official Florida Driver License Handbook, Chapter 3, Your Driving Privilege (p. 30); New York State Driver's Manual, Chapter 2, How to Keep Your License; Illinois Rules of the Road, Chapter 6, Driving Under the Influence; Pennsylvania Driver's Manual (PUB 95), Pennsylvania Vehicle Code (75 Pa.C.S.), Section 3742; Ohio Driver Manual, Digest of Motor Vehicle Laws, Ohio Revised Code 4549.02; Georgia Drivers' Manual, Section 11: Crashes, If You Are Involved In A Crash; Section 10: Losing Your Driving Privileges; North Carolina Driver Handbook, Chapter 4, Your Driving: Crashes (pp. 77-78); What Every Driver Must Know (SOS-133), MCL 257.617; New Jersey Driver Manual, Chapter 7, Motor Vehicle Violations: Hit-and-run, p. 130; Virginia Driver's Manual (DMV 39), Section 3, Safe Driving: Traffic Crashes (p. 25); Washington Driver Guide, Chapter 5, 5.9 Collisions: Crashing a vehicle; Massachusetts Driver's Manual, Chapter 5, p. 130; Maryland Driver's Manual, Section 8.A, p. 43; Missouri Driver Guide, Chapter 13, Traffic Crashes, PDF p. 83; Wisconsin Motorists' Handbook 2026, Section 8.B Crashes, p. 47; Arizona Driver License Manual and Customer Service Guide, Section 6, Handling Emergencies: Failure to Stop at a Crash (p. 72); Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Losing Your Privilege to Drive (p. 85); Minnesota Driver's Manual, Chapter 3, What to do in a traffic crash, p. 39; Chapter 6, Crashes, p. 78; Alabama Driver Manual, Chapter 4, The Driver, What to Do If You Have a Crash, PDF p. 39; Louisiana Class D & E Driver's Guide, Chapter 8, Driving Hazards and Emergencies, Traffic Crashes, Collision, PDF p. 125; Chapter 9, Driving Offenses, Hit and Run Driving, PDF p. 131; Kentucky Driver Manual, Section Nine, Collisions, PDF p. 64; First Aid to Collision Victims, PDF p. 65; South Carolina Code of Laws, Title 56, Chapter 5, § 56-5-1210(A); Colorado Driver Handbook (DR 2337), How You Can Lose Your License, printed p. 2 (PDF p. 5); Crash Tips, printed p. 26 (PDF p. 29); Oregon Revised Statutes 811.705, ORS 811.705(1)(a)-(b); Oklahoma Driver Manual, Chapter 13, Mandatory Revocation of Your License, p. 71; Connecticut Driver's Manual, Chapter 4, Road Safety, Traffic Crashes, p. 41; Utah Driver Handbook, Section 12, Crashes and Insurance, PDF p. 75; NRS 484E.010, NRS 484E.010; Iowa Code 2026, §321.261, §321.261(1); MDPS Driver's License Manual, In Case of an Accident, PDF p. 66; Revocation of License, PDF p. 80; K.S.A. 8-1602, K.S.A. 8-1602(a); Idaho Driver's Handbook, Crashes & the Law, PDF p. 121; Reasons for Suspension, PDF p. 124; New Mexico Driver Manual, Accidents and the Financial Responsibility Law, PDF p. 37; Keeping the Driver License, PDF p. 5; Nebraska Driver's Manual, Section 7A, General Information, PDF p. 81; Hawaii Revised Statutes, HRS §291C-12.6(a); West Virginia Code §17C-4-1, W. Va. Code §17C-4-1(a); Delaware Driver Manual (July 2026), Section Five, Crashes, PDF p. 140; Maine Revised Statutes, Title 29-A, Title 29-A, §2252, sub-§§1-2; South Dakota Driver License Manual (revised 11/2024), Emergency Situations and Avoiding Crashes, Crashes, PDF p. 59
Proof of insurance
Keep proof of your insurance available while you drive.
Source: California Driver's Handbook, Section 10, Financial Responsibility, Insurance Requirements, and Collisions; Texas Driver Handbook, Chapter 3, Safety Responsibility, p. 18; Official Florida Driver License Handbook, Chapter 1, Driver Licenses & ID Cards (p. 1); Illinois Rules of the Road, Chapter 4, Traffic Laws; Pennsylvania Driver's Manual (PUB 95), Pennsylvania Vehicle Code (75 Pa.C.S.), Section 1786; Ohio Driver Manual, Digest of Motor Vehicle Laws, Mandatory Insurance; Georgia Drivers' Manual, What to Do and Expect When Pulled Over by Police; What Every Driver Must Know (SOS-133), MCL 257.328; New Jersey Driver Manual, Chapter 9, Insurance, p. 161; Virginia Driver's Manual (DMV 39), Section 3, Safe Driving: Traffic Stops (p. 26); Washington Driver Guide, Chapter 2, 2.3 Insurance required; Chapter 5, 5.10 Getting pulled over; Indiana Driver's Manual, Chapter 8, Traffic Stops by Law Enforcement, p. 61; Maryland Driver's Manual, Section 10.E, p. 52; Wisconsin Motorists' Handbook 2026, Section 12.E Insurance Requirements, p. 55; Arizona Driver License Manual and Customer Service Guide, Customer Service Guide: Vehicle Insurance (p. 9); Minnesota Driver's Manual, Chapter 3, Insurance, p. 40; Alabama Driver Manual, Chapter 6, Traffic Laws, Documents Required at Traffic Stops, PDF p. 70; Louisiana Class D & E Driver's Guide, Chapter 1, Getting a Driver's License, Proof of Insurance, PDF p. 12; Chapter 6, Traffic Laws and Regulations, Police Officers, PDF p. 91; Kentucky Driver Manual, Section Two, Insurance Law, PDF p. 27; Section Ten, Police and Traffic Stops, PDF p. 73; Colorado Driver Handbook (DR 2337), How You Can Lose Your License, printed p. 3 (PDF p. 6); Oklahoma Driver Manual, Chapter 3, Carry your proof of liability insurance, p. 16; Utah Driver Handbook, Section 12, Uninsured Motorist, Note, PDF p. 79; NRS 485.187, NRS 485.187(1)(b)-(c); handbook Chapter 8, PDF p. 75; Iowa Driver's License Manual (MM1170), Chapter 1, 1.2 Carrying Your License, Insurance, & Registration, p. 5; MDPS Driver's License Manual, Proof of Insurance, PDF p. 76; In Case of an Accident, PDF p. 66; Kansas Driving Handbook, Section 9, Police/Traffic Stops, PDF p. 85; Idaho Code, Idaho Code 49-1232(1); handbook, What to Expect When Stopped, PDF p. 133; Nebraska Driver's Manual, Section 2G, When Pulled Over by Police, PDF p. 36; West Virginia Driver's Licensing Handbook, Chapter I, Documents to Keep in Your Vehicle, PDF p. 25; Delaware Driver Manual (July 2026), Section Five, The role and procedures of a law-enforcement officer, PDF p. 112; Montana Code Annotated 2025, Title 61, § 61-6-302, MCA (proof of compliance); Maine Revised Statutes, Title 29-A, Title 29-A, §1601, sub-§2; South Dakota Driver License Manual (revised 11/2024), The Driver's License, Financial Responsibility, PDF p. 14
We wrote these practice questions from the facts in the Virginia Driver's Manual (DMV 39) (April 2026 PDF (created 2026-04-27), read 2026-11-07, plus dmv.virginia.gov pages on the knowledge exam, learner's permits and teen restrictions 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 Virginia Department of Motor Vehicles (DMV), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.