RTA Accident Reporting & Insurance 4

Question 1

Under what circumstance may a driver legally leave the scene of an accident before police arrive?

Accepted Answer

Never — a driver must remain or return to the scene unless seeking emergency medical help

Answer

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?

Accepted Answer

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

Answer

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?

Accepted Answer

Leave a note with contact and insurance information on the vehicle

Answer

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?

Accepted Answer

Collision coverage

Answer

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?

Accepted Answer

Driver's home country of birth

Answer

Country of birth is not required on accident reports; license number, registration, and insurance details are all legally necessary.

(RTA) Roads and Transport Authority Exam Practice Test