MO DMV Insurance and Financial Responsibility 3 — Questions and Answers
Question 1: You are involved in a crash in Missouri while uninsured. What is a likely consequence even if the crash was not your fault?
- Your driver license can be suspended for violating the financial responsibility law (Correct answer)
- You automatically receive compensation from the state
- No consequence, since you were not at fault
- The other driver's insurance pays your fine
Correct answer: Your driver license can be suspended for violating the financial responsibility law
Driving uninsured violates Missouri's financial responsibility law regardless of fault, and your license can be suspended.
Question 2: What is an SR-22 in Missouri?
- A certificate of insurance filed by your insurer proving future financial responsibility (Correct answer)
- A type of vehicle registration sticker
- A traffic ticket for speeding
- A form used to sell a vehicle
Correct answer: A certificate of insurance filed by your insurer proving future financial responsibility
An SR-22 is a certificate your insurance company files with the state to prove you maintain required coverage.
Question 3: After a license suspension for driving without insurance, how long may a Missouri driver be required to maintain an SR-22 filing?
- Up to three years (Correct answer)
- Thirty days
- Six months
- Ten years
Correct answer: Up to three years
Missouri may require proof of insurance via SR-22 filing for up to three years after certain suspensions.
Question 4: If your insurance lapses while you have an SR-22 on file, what will your insurer do?
- Notify the state, which can lead to another license suspension (Correct answer)
- Nothing, lapses are private
- Pay your premiums for you
- Transfer the SR-22 to another driver
Correct answer: Notify the state, which can lead to another license suspension
Insurers must notify the state when an SR-22 policy lapses, which can trigger a new suspension.
Question 5: A second conviction for driving without insurance in Missouri can result in:
- A 90-day license suspension (Correct answer)
- A verbal warning only
- Loss of voting rights
- A mandatory new vehicle purchase
Correct answer: A 90-day license suspension
A second no-insurance conviction brings a 90-day suspension of driving privileges.
Question 6: A third or subsequent conviction for driving uninsured in Missouri can result in a suspension of:
- One year (Correct answer)
- One week
- Thirty days
- Five years
Correct answer: One year
Third and subsequent no-insurance convictions carry a one-year license suspension.
Question 7: Which statement about borrowing a friend's car in Missouri is TRUE?
- You must ensure the vehicle is covered by insurance before driving it (Correct answer)
- Insurance is only the owner's problem, never the driver's
- Borrowed vehicles are exempt from insurance laws
- Only vehicles driven daily need insurance
Correct answer: You must ensure the vehicle is covered by insurance before driving it
Anyone operating a vehicle on Missouri roads must ensure it is insured, since the driver can be penalized for driving an uninsured vehicle.
MO DMV Insurance and Financial Responsibility 3
You are involved in a crash in Missouri while uninsured.
What is a likely consequence even if the crash was not your fault?