RTA Accident Reporting & Insurance 4 — Questions and Answers
Question 1: Under what circumstance may a driver legally leave the scene of an accident before police arrive?
- When the other driver agrees to exchange information privately
- When no injury occurred and all parties agree to meet later
- Never — a driver must remain or return to the scene unless seeking emergency medical help (Correct answer)
- When the damage appears to be under $500
Correct answer: Never — a driver must remain or return to the scene unless seeking emergency medical help
A driver must remain at the scene of any accident; the only legal exception is leaving briefly to obtain emergency medical assistance.
Question 2: What does 'subrogation' mean in the context of auto insurance?
- The process of canceling a policy after a claim
- The insurer's right to recover costs from the at-fault party after paying a claim (Correct answer)
- A discount applied when no claims are filed for three years
- The mandatory deductible applied to collision claims
Correct answer: The insurer's right to recover costs from the at-fault party after paying a claim
Subrogation allows your insurer to sue the at-fault driver to recoup money it paid out on your behalf.
Question 3: A driver hits an unattended parked car and cannot locate the owner. What is the correct action?
- Drive away since no one witnessed the incident
- Leave a note with contact and insurance information on the vehicle (Correct answer)
- Report only to your insurer and take no further steps
- Wait at the scene for no more than 15 minutes, then leave
Correct answer: Leave a note with contact and insurance information on the vehicle
Most states require leaving a written notice with your name, address, and insurance information on the damaged vehicle.
Question 4: Which type of auto insurance coverage pays for damage to YOUR vehicle caused by a collision, regardless of fault?
- Comprehensive coverage
- Liability coverage
- Collision coverage (Correct answer)
- Uninsured motorist property damage
Correct answer: Collision coverage
Collision coverage pays to repair or replace your vehicle after a crash, regardless of who was at fault.
Question 5: When completing an official accident report form, what information about the other driver is LEAST critical to record?
- Driver's license number
- Vehicle registration number
- Driver's home country of birth (Correct answer)
- Insurance policy number
Correct answer: Driver's home country of birth
Country of birth is not required on accident reports; license number, registration, and insurance details are all legally necessary.
Question 6: A driver's insurer denies a claim because the policy had lapsed due to non-payment at the time of the accident. What is the likely outcome?
- The driver is still covered for the first 30 days after lapse
- The driver has no coverage and is personally liable for damages (Correct answer)
- State minimum liability still applies regardless of payment status
- The other party's insurer is required to cover all damages
Correct answer: The driver has no coverage and is personally liable for damages
A lapsed policy provides no coverage, making the driver personally responsible for all damages and injuries caused.
Question 7: What is the primary purpose of an SR-22 filing requirement?
- To qualify for a multi-vehicle discount
- To certify that a high-risk driver carries the state minimum required liability insurance (Correct answer)
- To report an accident to the state DMV within 10 days
- To register a commercial vehicle for interstate travel
Correct answer: To certify that a high-risk driver carries the state minimum required liability insurance
An SR-22 is a certificate filed by your insurer with the state proving you maintain the required minimum liability coverage, typically required after serious violations.
RTA Accident Reporting & Insurance 4
Under what circumstance may a driver legally leave the scene of an accident before police arrive?