Georgia: Financial responsibility & insurance Practice Test
Georgia's Safety Responsibility Law, security after a crash and proof of insurance.
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Questions are original and based on the official manual "Georgia Driver's Manual" (2023-2024), Georgia Department of Driver Services (DDS).
All 8 questions in this practice test
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A conviction for which of these offenses requires the Department by law to suspend driving privileges?
- Driving with a dirty license plate
- Backing up in a parking lot
- Driving without insurance
- Driving with a cracked side mirror
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Correct answer: Driving without insurance
Driving without insurance is listed among the convictions for which the Department must suspend privileges.
Source: Georgia Driver's Manual (2023-2024), page 46
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What is the purpose of the Safety Responsibility Law?
- To raise money for the state by increasing the traffic fines drivers pay
- To replace the points system for all drivers who are under the age of 21
- To remove irresponsible drivers and protect insured motorists from uninsured ones
- To require every driver in the state to carry a commercial license
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Correct answer: To remove irresponsible drivers and protect insured motorists from uninsured ones
The law aims to remove irresponsible drivers from Georgia highways and protect insured motorists from uninsured motorists.
Source: Georgia Driver's Manual (2023-2024), page 48
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What will you receive if you fail to satisfy a claim for damage from a crash and a claim is filed against you under the Safety Responsibility Law?
- A notice that your vehicle will be towed
- An order suspending your license
- A notice that your registration is canceled
- An order to attend a driver improvement course
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Correct answer: An order suspending your license
If you fail to satisfy the claim, you will receive an order suspending your license.
Source: Georgia Driver's Manual (2023-2024), page 48
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Under the Safety Responsibility Law, what may you have your insurance carrier file to avoid suspension if you had liability insurance at the time of the crash?
- Form SR-50 with the court
- A letter of credit with the state treasury
- A copy of your vehicle registration
- Form SR-21 with the DDS
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Correct answer: Form SR-21 with the DDS
You may have your insurance carrier file Form SR-21 with the DDS if you were covered by liability insurance at the time of the crash.
Source: Georgia Driver's Manual (2023-2024), page 48
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Which document may you file with the DDS to avoid a Safety Responsibility Law suspension?
- A general or conditional release signed by the claimant
- A release signed by the arresting officer
- A letter from your employer stating you need to drive
- A statement from a witness of the crash
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Correct answer: A general or conditional release signed by the claimant
A general or conditional release signed by the claimant (the injured party) may be filed with the DDS to avoid the suspension.
Source: Georgia Driver's Manual (2023-2024), page 48
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Which of these may be posted with the DDS as security to cover damages under the Safety Responsibility Law?
- A personal check
- A credit card number
- A cashier's check
- A signed promissory note
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Correct answer: A cashier's check
Security may be a cashier's check, certified check, money order, real property bond or surety bond.
Source: Georgia Driver's Manual (2023-2024), page 48
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What is the minimum time that security or a bond posted with the Department is held under the Safety Responsibility Law?
- Ninety days
- One year
- Six months
- Five years
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Correct answer: One year
Security is held for one year and thereafter until proof is furnished that you have not been sued as a result of the crash.
Source: Georgia Driver's Manual (2023-2024), page 48
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Within how many days of receiving the order of suspension must you request a hearing under the Safety Responsibility Law?
- Five days
- Thirty days
- Sixty days
- Ten days
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Correct answer: Ten days
You are entitled to a hearing if you request it within ten days of receiving the order of suspension.
Source: Georgia Driver's Manual (2023-2024), page 48