IL DMV IL DMV Insurance and Financial Responsibility 3

Question 1

In Illinois, within how many days must a written crash report be filed with the state when an accident involves injury or significant property damage?

Accepted Answer

10 days

Answer

Illinois law requires a written accident report to be filed within 10 days when a crash involves injury, death, or property damage exceeding $1,500.

Question 2

What is the minimum property damage amount in Illinois that triggers a mandatory written accident report?

Accepted Answer

$1,500

Answer

In Illinois, property damage exceeding $1,500 in a crash requires a written accident report to be submitted to the Illinois Department of Transportation.

Question 3

What does 'liability insurance' cover in an auto policy?

Accepted Answer

Bodily injury and property damage you cause to others

Answer

Liability insurance covers bodily injury and property damage that you are legally responsible for causing to other people in an accident.

Question 4

What is a 'deductible' in an auto insurance policy?

Accepted Answer

The amount you pay out-of-pocket before insurance covers the rest

Answer

A deductible is the amount you must pay out-of-pocket before your insurance begins covering the remaining claim costs.

Question 5

If you are struck by an uninsured driver and suffer injuries in Illinois, which coverage pays your medical bills?

Accepted Answer

Uninsured motorist bodily injury coverage

Answer

Uninsured motorist bodily injury coverage specifically pays for your medical expenses when an at-fault driver has no insurance.

IL DMV - Illinois Department of Motor Vehicle Practice Test

IL DMV - Illinois Department of Motor Vehicle Practice Test

IL DMV IL DMV Insurance and Financial Responsibility 3