RTA Accident Reporting & Insurance 2

Question 1

If you hit an unattended parked vehicle and the owner is not present, what should you do?

Accepted Answer

Leave a note with your contact and insurance information on the vehicle

Answer

Drive away since no one is watching

Answer

Call 911 and wait for police only if damage is severe

Answer

Only report it if your vehicle is also damaged

Question 2

What does 'collision coverage' pay for in an auto insurance policy?

Accepted Answer

Damage to your own vehicle from a collision, regardless of fault

Answer

Injuries to the other driver

Answer

Theft of your vehicle

Answer

Damage caused by natural disasters

Question 3

What is the legal consequence of leaving the scene of an accident involving injury without stopping?

Accepted Answer

Hit-and-run charge, which is a criminal offense

Answer

A minor traffic fine

Answer

Automatic license suspension for 30 days

Answer

A written warning from police

Question 4

What is 'subrogation' in the context of auto insurance?

Accepted Answer

The insurer's right to recover costs from the at-fault party after paying your claim

Answer

A penalty for late premium payments

Answer

The cancellation of a policy due to fraud

Answer

A discount for safe driving

Question 5

How long do you generally have to notify your insurance company after an accident?

Accepted Answer

Immediately or as soon as reasonably possible

Answer

Within 30 days

Answer

Within one year

Answer

Only before your renewal date

Question 6

Which type of auto insurance coverage pays for YOUR medical bills after an accident, regardless of fault?

Accepted Answer

Personal injury protection (PIP)

Answer

Bodily injury liability

Answer

Comprehensive coverage

Answer

Property damage liability

Question 7

When must an accident be reported to the RTA or DMV in writing?

Accepted Answer

When the accident results in death, injury, or property damage above the state threshold

Answer

Only when a pedestrian is involved

Answer

Only for accidents on public highways

Answer

Every accident must be reported in writing