DE DMV Insurance Requirements and Financial Responsibility 2

Question 1

When must you show proof of insurance to a police officer in Delaware?

Accepted Answer

Upon request during any traffic stop or accident

Answer

Only when requested at a checkpoint

Answer

Only after an accident

Answer

Only when renewing registration

Question 2

Delaware's Financial Responsibility Law requires drivers to maintain what at minimum?

Accepted Answer

Liability insurance

Answer

Only collision coverage

Answer

Full coverage including comprehensive

Answer

Uninsured motorist coverage only

Question 3

If your auto insurance lapses in Delaware, what is your insurer required to do?

Accepted Answer

Report the lapse to the Delaware DMV

Answer

Notify you by mail only

Answer

File a claim on your behalf

Answer

Automatically reinstate coverage

Question 4

What is an SR-22 in the context of Delaware driving?

Accepted Answer

A form proving a driver carries required insurance after a serious violation

Answer

A vehicle inspection certificate

Answer

A road test score card

Answer

A learner's permit application form

Question 5

For how long must a Delaware driver typically maintain an SR-22 certificate after a DUI conviction?

Accepted Answer

3 years

Answer

6 months

Answer

1 year

Answer

5 years

Question 6

Which of the following is NOT an acceptable alternative to traditional auto insurance for satisfying Delaware's financial responsibility law?

Accepted Answer

A notarized promise to pay

Answer

Surety bond

Answer

Cash deposit with the state

Answer

Certificate of self-insurance for qualifying businesses

Question 7

In Delaware, uninsured motorist coverage (UM) protects you if:

Accepted Answer

You are hit by a driver who has no insurance

Answer

Your vehicle is stolen

Answer

You drive without insurance

Answer

Your car is damaged by weather