RTA Accident Reporting & Insurance 1 — Questions and Answers
Question 1: After a traffic accident resulting in injury, within how many hours must you typically report the incident to the police?
- 24 hours (Correct answer)
- 48 hours
- 72 hours
- One week
Correct answer: 24 hours
Most jurisdictions require drivers involved in injury accidents to report the incident to police within 24 hours if police did not attend the scene.
Question 2: Which of the following is the FIRST action you should take immediately after a collision?
- Call your insurance company
- Stop your vehicle and check for injuries (Correct answer)
- Take photos of the damage
- Move your vehicle to avoid traffic
Correct answer: Stop your vehicle and check for injuries
The first and most critical step after a collision is to stop and check whether anyone has been injured, as life safety takes priority over everything else.
Question 3: What information is it MANDATORY to exchange with the other driver after an accident?
- Name, address, and vehicle registration number
- Name, address, insurance details, and driver's license number (Correct answer)
- Insurance company name only
- Vehicle registration number only
Correct answer: Name, address, insurance details, and driver's license number
Drivers must exchange full identifying and insurance details including name, address, insurance information, and driver's license number to allow proper claims processing.
Question 4: If an accident involves only property damage with no injuries, when is a written crash report to the DMV generally required?
- Always, regardless of damage amount
- When damage exceeds a specified threshold (e.g., $1,000 or more) (Correct answer)
- Only if the other driver is uninsured
- Only if the accident occurs on a highway
Correct answer: When damage exceeds a specified threshold (e.g., $1,000 or more)
Most states require a written crash report to the DMV only when property damage meets or exceeds a defined dollar threshold, which varies by state.
Question 5: Which document proves that a driver has met the state's minimum auto insurance requirements?
- Vehicle registration card
- Certificate of insurance or insurance ID card (Correct answer)
- Driver's license
- Vehicle title
Correct answer: Certificate of insurance or insurance ID card
A certificate of insurance or insurance ID card is the document that law enforcement and other parties use to verify minimum coverage compliance.
Question 6: What is 'uninsured motorist coverage' designed to protect you from?
- Damage you cause to your own vehicle
- Injuries and damages when the at-fault driver has no insurance (Correct answer)
- Vehicle theft or vandalism
- Mechanical breakdowns
Correct answer: Injuries and damages when the at-fault driver has no insurance
Uninsured motorist coverage compensates you for injuries or vehicle damage caused by a driver who carries no liability insurance.
Question 7: Which type of liability insurance covers bodily injury to OTHER people when you are at fault in an accident?
- Collision coverage
- Comprehensive coverage
- Bodily injury liability (Correct answer)
- Personal injury protection
Correct answer: Bodily injury liability
Bodily injury liability pays for medical expenses, lost wages, and legal costs of people injured in an accident for which you are at fault.
RTA Accident Reporting & Insurance 1
After a traffic accident resulting in injury, within how many hours must you typically report the incident to the police?