Wisconsin Insurance & Collisions practice test

Key Wisconsin facts: Insurance & Collisions

• You must have valid liability insurance to drive in Wisconsin. Section 12.E Insurance Requirements, p. 55
• A driver of someone else's car has the duty of confirming it is insured. Section 12.E Insurance Requirements, p. 55
• A driver from another state can provide proof from an insurer in that state. Section 12.E Insurance Requirements, p. 55
• Police must be told of a crash causing property damage of $1,000 or more. Section 8.B Crashes, p. 47
• A crash with $200 or more of damage to government property, such as a sign or guard rail, must be reported to police. Section 8.B Crashes, p. 47

Sample Insurance & Collisions questions

What kind of car insurance do you need to drive in Wisconsin?

• Valid liability insurance
• Comprehensive insurance only
• Collision insurance only
• No insurance at all

Show the answer

Valid liability insurance

Wisconsin requires valid liability insurance, and you must show proof if an officer asks.

Source: Wisconsin Motorists' Handbook 2026, Section 12.E Insurance Requirements, p. 55

You are from another state and driving in Wisconsin. What proof of insurance can you provide?

• A signed note from the owner
• Proof from your home state's insurer
• Only a Wisconsin insurer's card
• A copy of the vehicle's title

Show the answer

Proof from your home state's insurer

Drivers from elsewhere can show proof from the insurance company in their own state.

Source: Wisconsin Motorists' Handbook 2026, Section 12.E Insurance Requirements, p. 55

No one is hurt, the damage looks minor, but your vehicle can't be moved. Must you report the crash to police?

• No, a tow company reports it
• Only if the other driver asks you
• No, only your insurer needs to know
• Yes, you must report it

Show the answer

Yes, you must report it

Being unable to move your vehicle is one of the reasons a crash must be reported.

Source: Wisconsin Motorists' Handbook 2026, Section 8.B Crashes, p. 47

You hit a deer in Wisconsin. Why should you call the police?

• To get your license renewed
• To get a tag for the deer
• To get your vehicle repaired
• To get your deductible paid

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To get a tag for the deer

Police issue the tag, and they need to know where the deer is if you don't want it.

Source: Wisconsin Motorists' Handbook 2026, Section 6.E Watch for Deer, p. 43

You borrow a friend's car. Who has to make sure it is insured?

• Only your friend
• You, as the driver
• The DMV, by mail
• Your parent or guardian

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You, as the driver

When you drive someone else's car, making sure it has insurance is your job.

Source: Wisconsin Motorists' Handbook 2026, Section 12.E Insurance Requirements, p. 55

What amount of damage to government property, such as a guard rail, must be reported to police?

• $100 or more
• $200 or more
• $1,000 or more
• $2,500 or more

Show the answer

$200 or more

The threshold for government property such as signs and guard rails is lower, at $200.

Source: Wisconsin Motorists' Handbook 2026, Section 8.B Crashes, p. 47

What amount of property damage from a crash must be reported to police in Wisconsin?

• $500 or more
• $100 or more
• $5,000 or more
• $1,000 or more

Show the answer

$1,000 or more

A crash causing $1,000 or more of property damage must be reported.

Source: Wisconsin Motorists' Handbook 2026, Section 8.B Crashes, p. 47

After a minor crash, the other driver seems to be under the influence. Must you report it to police?

• No, if the damage is small
• Yes, you must report it
• Only if someone was hurt
• Only if that driver agrees

Show the answer

Yes, you must report it

A driver who seems impaired by alcohol or drugs is one of the reasons to report.

Source: Wisconsin Motorists' Handbook 2026, Section 8.B Crashes, p. 47

You hit a parked car and can't find the owner. What should you do?

• Wait until you hear from the owner
• Attach a note with your name and contact details
• Leave, since the damage is small

Show the answer

Attach a note with your name and contact details

Fix a note firmly to the car with your name and address.

Source: California Driver's Handbook, Section 10, Financial Responsibility, Insurance Requirements, and Collisions; Texas Driver Handbook, Chapter 11, Crash Involving an Unattended Vehicle, p. 60; Official Florida Driver License Handbook, s. 316.063, Florida Statutes; Illinois Rules of the Road, Chapter 7, Traffic Violations/Crashes: Unattended Vehicles (p. 55); Pennsylvania Driver's Manual (PUB 95), Pennsylvania Vehicle Code (75 Pa.C.S.), Section 3745; 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; North Carolina Driver Handbook, G.S. 20-166(c1); 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; Wisconsin Statutes, ch. 346, Wis. Stat. § 346.68; Alabama Driver Manual, Chapter 4, The Driver, When Involved in a Crash, PDF p. 40; Louisiana Class D & E Driver's Guide, Chapter 8, Driving Hazards and Emergencies, Traffic Crashes, Collision, PDF p. 125; Kentucky Driver Manual, Section Nine, Collisions, PDF p. 64; South Carolina Code of Laws, Title 56, Chapter 5, § 56-5-1240; Colorado Driver Handbook (DR 2337), Crash Tips, Involving a parked car, printed p. 26 (PDF p. 29); Oregon Driver Manual 2026-2027, Other Important Information, Unattended Vehicles, p. 94 (PDF p. 102); Connecticut Driver's Manual, Chapter 4, Road Safety, Traffic Crashes, Report the Accident, p. 41; Iowa Code 2026, §321.264, §321.264; Delaware Driver Manual (July 2026), Section Five, Reporting Crashes, PDF p. 141; Montana Driver Manual (Form 25-0100, revised April 2024), Chapter 7, Report the accident, PDF p. 90; Maine Revised Statutes, Title 29-A, Title 29-A, §2254, sub-§2; SDCL 32-34-4, SDCL 32-34-4

After a crash, whose contact details should you collect besides the other drivers'?

• Any witnesses
• Every passing driver
• No one else
• Nearby store owners

Show the answer

Any witnesses

Witnesses can help police and insurers understand what happened.

Source: Texas Driver Handbook, Crash Resulting in Damage to a Vehicle, PDF p. 65; Official Florida Driver License Handbook, Your Responsibilities After a Crash, PDF p. 85; Pennsylvania Driver's Manual (PUB 95), Chapter 4, Driving Record Information: If You Are in a Crash; Virginia Driver's Manual (DMV 39), Traffic Crashes, PDF p. 27; Maryland Driver's Manual, Section 8.A, p. 43; Wisconsin Motorists' Handbook 2026, Section 8.B Crashes, p. 47; Arizona Driver License Manual and Customer Service Guide, Section 6, Handling Emergencies: Reporting Crashes (p. 71); Tennessee Comprehensive Driver License Manual, Section B, Chapter 8, Traffic Crashes (p. 89); Alabama Driver Manual, Chapter 4, The Driver, When Involved in a Crash, PDF p. 40; Louisiana Class D & E Driver's Guide, Chapter 8, Driving Hazards and Emergencies, Traffic Crashes, Collision, PDF p. 125; Kentucky Driver Manual, Section Nine, Collisions, PDF p. 64; Oklahoma Driver Manual, Chapter 11, Your Responsibilities after a Crash, p. 63; Connecticut Driver's Manual, Chapter 4, Road Safety, Traffic Crashes, Report the Accident, p. 41; Arkansas Driver License Study Guide (Vol. 1, Ed. 10, October 2026), Chapter 9, Emergencies, Keep a Record of Crash Information, PDF p. 93; Idaho Driver's Handbook, Crashes & the Law, PDF p. 121; New Mexico Driver Manual, Report the Accident, PDF p. 37; Delaware Driver Manual (July 2026), Section Five, Reporting Crashes, PDF p. 141; Montana Driver Manual (Form 25-0100, revised April 2024), Chapter 7, Report the accident, PDF p. 90; Maine Driver's License Manual (Rev 4/24), Section 9, Accidents, PDF p. 96; Rhode Island Driver's Manual (April 2024), In Case of a Collision, PDF p. 65; South Dakota Driver License Manual (revised 11/2024), Emergency Situations and Avoiding Crashes, Crashes, Report the Accident, PDF p. 60

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About these questions

We wrote these practice questions from the facts in the Wisconsin Motorists' Handbook (2026 (BDS126), PDF created 2026-07-03, read 2026-11-08. Page numbers cited are the handbook's printed ones (PDF page = printed page + 4). Where the handbook gives no value, Wisconsin Statutes chs. 340, 343, 346 and 347 (docs.legis.wisconsin.gov, published 2026-11-04) are the source. 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 Wisconsin Department of Transportation, Division of Motor Vehicles (DMV), and your actual test will have different questions. Study the handbook, and check the agency's website for current rules.