Illinois: Financial responsibility & insurance — Part 1 Practice Test
Questions in this part include: “When must a crash report be filed for a crash involving a school bus?” · “Under the Safety Responsibility Law, who determines the amount of security an uninsured at-fault driver must post?”
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Questions are original and based on the official manual "Illinois Rules of the Road" (2026), Illinois Secretary of State.
All 20 questions in this practice test
Take the test above first, then use this list to study. Tap “Show answer” to see the correct answer and explanation.
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Regardless of fault, a driver must file a crash report if the crash involves death, bodily injury, or property damage of more than what amount?
- $250
- $1,000
- $2,500
- $1,500
Show answer
Correct answer: $1,500
A crash report must be filed regardless of fault when there is death, bodily injury, or property damage of more than $1,500.
Source: Illinois Rules of the Road (2026), page 54
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If any vehicle involved in a crash is uninsured, a crash report must be filed when property damage is more than what amount?
- $1,500
- $2,500
- $500
- $100
Show answer
Correct answer: $500
When any vehicle in the crash is uninsured, a report must be filed if property damage is more than $500.
Source: Illinois Rules of the Road (2026), page 54
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When must a crash report be filed for a crash involving a school bus?
- When it results in any property damage, personal injury, or crash
- Only when the property damage is more than $1,500
- Only when a child riding on the bus is injured or killed
- Only when the school bus driver was found to be at fault
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Correct answer: When it results in any property damage, personal injury, or crash
A report must be filed if the crash involves a school bus and results in any property damage, personal injury, or crash.
Source: Illinois Rules of the Road (2026), page 54
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A crash report must be filed if a crash within what distance of a school bus injures or kills someone waiting to board or who just got off the bus?
- 20 feet
- 100 feet
- 200 feet
- 50 feet
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Correct answer: 50 feet
A report is required for a crash within 50 feet of a school bus causing injury or death to a person waiting to board or who had just exited.
Source: Illinois Rules of the Road (2026), page 54
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How much time does a driver have to report a crash after it occurs?
- 24 hours
- 30 minutes
- 10 days
- 30 days
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Correct answer: 30 minutes
The manual states that a driver has 30 minutes to report a crash after it occurs.
Source: Illinois Rules of the Road (2026), page 55
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If a police officer is not at the scene of a crash, where must the report be made?
- At the nearest police station, as soon as possible
- At any driver services facility within 30 days
- With your insurance company only, within one week
- At the county courthouse on your next court date
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Correct answer: At the nearest police station, as soon as possible
If no officer is at the scene, a report must be made at the nearest police station as soon as possible.
Source: Illinois Rules of the Road (2026), page 55
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If a crash happens in a rural area, who must be notified?
- The nearest school district office
- The Illinois Department of Transportation only
- The county sheriff or the Illinois State Police
- The mayor of the closest city
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Correct answer: The county sheriff or the Illinois State Police
In a rural area, the county sheriff or Illinois State Police must be notified.
Source: Illinois Rules of the Road (2026), page 55
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If the driver is unable to make a crash report and there is a passenger, who must make the report?
- The other driver
- The passenger
- The vehicle’s insurer
- Nobody
Show answer
Correct answer: The passenger
When the driver cannot make the report and there is a passenger, the passenger must make the report.
Source: Illinois Rules of the Road (2026), page 55
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Drivers who fail to report a vehicle crash may be fined up to what amount?
- $500
- $1,000
- $1,500
- $2,500
Show answer
Correct answer: $2,500
Failing to report a crash can bring a fine of up to $2,500 and a jail sentence of up to one year.
Source: Illinois Rules of the Road (2026), page 55
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Drivers who fail to report a vehicle crash may be given a jail sentence of up to how long?
- 30 days
- Six months
- One year
- Five years
Show answer
Correct answer: One year
Failing to report a crash can bring a fine of up to $2,500 and a jail sentence of up to one year.
Source: Illinois Rules of the Road (2026), page 55
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Under the Safety Responsibility Law, what must an at-fault driver without liability insurance do after a crash that results in death, injury or property damage?
- Take a written driving test within 30 days of the crash
- Pay a $100 fee and nothing else is ever required
- Post security (a guarantee of payment) to cover the damages
- Complete an eight-hour defensive driving course only
Show answer
Correct answer: Post security (a guarantee of payment) to cover the damages
The Safety Responsibility Law requires an uninsured at-fault driver to post security, a guarantee of payment, to cover the injured party’s damages.
Source: Illinois Rules of the Road (2026), page 55
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Under the Safety Responsibility Law, who determines the amount of security an uninsured at-fault driver must post?
- The other driver’s insurance company
- The Illinois Department of Transportation
- The Illinois State Police
- The driver’s own county sheriff
Show answer
Correct answer: The Illinois Department of Transportation
The Illinois Department of Transportation determines the amount of the security.
Source: Illinois Rules of the Road (2026), page 55
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If you do not post the security required by the Safety Responsibility Law, how long may your driver’s license be suspended?
- For exactly 30 days from the crash
- For exactly one year, then it ends
- Until you reach the age of 21
- Until the lawsuit is settled
Show answer
Correct answer: Until the lawsuit is settled
If you do not post the required security, your driver’s license may be suspended until the lawsuit is settled.
Source: Illinois Rules of the Road (2026), page 55
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Under the Safety Responsibility Law, what may also happen to the owner of a vehicle involved in an uninsured crash?
- Their vehicle must be sold at a state public auction
- Their home address is published by the state
- Their license plates/vehicle registration may be suspended
- They must retake the full driving exam at once
Show answer
Correct answer: Their license plates/vehicle registration may be suspended
The owner(s) of the vehicle involved in the crash may also have their license plates and vehicle registration suspended.
Source: Illinois Rules of the Road (2026), page 55
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After a Safety Responsibility suspension, for how long must the person maintain insurance from the date proof of financial responsibility is first filed?
- Three years
- Six months
- One year
- Ten years
Show answer
Correct answer: Three years
Privileges remain suspended until the person provides proof of financial responsibility and maintains the insurance for three years from the date the proof is first filed.
Source: Illinois Rules of the Road (2026), page 55
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Individuals convicted of mandatory insurance violations lose their driving privileges for a minimum of how long?
- One month
- Six months
- One year
- Three months
Show answer
Correct answer: Three months
A mandatory insurance conviction means losing driving privileges for at least three months and paying a $100 reinstatement fee, with no driving permit available.
Source: Illinois Rules of the Road (2026), page 55
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What reinstatement fee must individuals convicted of mandatory insurance violations pay?
- $50
- $100
- $500
- $1,000
Show answer
Correct answer: $100
Those convicted of mandatory insurance violations must pay a $100 reinstatement fee.
Source: Illinois Rules of the Road (2026), page 55
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Can a person who lost driving privileges for a mandatory insurance violation conviction get a driving permit?
- No, no driving permit is available
- Yes, a Restricted Driving Permit for work
- Yes, after the first two weeks of the loss
- Yes, if they pay double the reinstatement fee
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Correct answer: No, no driving permit is available
The manual states that mandatory insurance violations bring a loss of privileges with no driving permit available.
Source: Illinois Rules of the Road (2026), page 55
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Which of these requires you to file proof of financial responsibility?
- Renewing a driver’s license on time with a clean record
- Moving to a new address within the same county
- Receiving an unsatisfied court judgment related to a crash
- Receiving one parking ticket in a municipal lot
Show answer
Correct answer: Receiving an unsatisfied court judgment related to a crash
Proof of financial responsibility is required if you receive an unsatisfied court judgment related to a crash, among other listed cases.
Source: Illinois Rules of the Road (2026), page 56
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You must file proof of financial responsibility after being convicted of how many mandatory insurance violations?
- Just one
- Three or more
- Exactly two
- Ten or more
Show answer
Correct answer: Three or more
Being convicted of three or more mandatory insurance violations is one of the cases that requires proof of financial responsibility.
Source: Illinois Rules of the Road (2026), page 56