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

Leaving a note with your name, contact number, and insurance information on the other vehicle is both a legal obligation and the ethical course of action.

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

Collision coverage pays to repair or replace your own vehicle when it is damaged in a crash, regardless of who caused the accident.

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

Leaving the scene of an accident involving injury is a criminal hit-and-run offense that can result in felony charges, jail time, and permanent license revocation.

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

Subrogation is the legal process by which your insurance company recovers the money it paid on your behalf from the driver or insurer who was actually at fault.

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

Most insurance policies require prompt notification of an accident — 'immediately or as soon as reasonably possible' — to protect the insurer's ability to investigate and respond.

(RTA) Roads and Transport Authority Exam Practice Test

(RTA) Roads and Transport Authority Exam Practice Test

RTA Accident Reporting & Insurance 2