Iowa: Insurance and crash reports Practice Test
Proof of liability insurance, which crashes you must report and how fast, and what to do about costs after a crash.
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Questions are original and based on the official manual "Iowa Driver’s License Manual" (July 2026), Iowa Department of Transportation.
All 8 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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The insurance card you carry verifies proof of which kind of insurance?
- Collision insurance
- Comprehensive insurance
- Liability insurance
- Medical payments insurance
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Correct answer: Liability insurance
The insurance card is carried to verify proof of liability insurance.
Source: Iowa Driver’s License Manual (July 2026), page 5
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State law requires you to report a crash to the police if there is property damage of more than what amount?
- $500
- $1,500
- $1,000
- $2,500
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Correct answer: $1,500
It is state law to report a crash involving injury or death to another person, or property damage of more than $1,500.
Source: Iowa Driver’s License Manual (July 2026), page 63
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Which crash must you report to the police by state law?
- Only one in which a vehicle has to be towed
- Only one that happens on a highway
- Only one involving a driver under 21
- One involving injury or death to another person
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Correct answer: One involving injury or death to another person
State law requires reporting a crash to the police that involves injury or death to another person, or property damage of more than $1,500.
Source: Iowa Driver’s License Manual (July 2026), page 63
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Within how many hours must you report a crash that state law requires you to report?
- 72 hours
- 24 hours
- 48 hours
- 96 hours
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Correct answer: 72 hours
Failure to report a crash within 72 hours of the incident will result in loss of your driving privileges and further penalties.
Source: Iowa Driver’s License Manual (July 2026), page 63
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What happens if you fail to report a required crash within 72 hours?
- You receive a written warning and nothing more
- Your vehicle registration is renewed early
- You lose your driving privileges and face further penalties
- You must retake the written test and the road test
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Correct answer: You lose your driving privileges and face further penalties
Failure to report within 72 hours will result in the loss of your driving privileges and further penalties.
Source: Iowa Driver’s License Manual (July 2026), page 63
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Which items should you be ready to give a law enforcement officer after a crash?
- Vehicle title, vehicle registration and driver's license
- Vehicle insurance information, vehicle registration and driver's license
- Vehicle insurance information, vehicle title and birth certificate
- Vehicle registration, driver's license and proof of address
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Correct answer: Vehicle insurance information, vehicle registration and driver's license
After a crash, be ready to provide vehicle insurance information, vehicle registration and your driver's license.
Source: Iowa Driver’s License Manual (July 2026), page 63
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After a crash, what should you refer to in order to assess what expenses you will need to pay?
- Your vehicle's title
- Your driver's license
- The police report number
- Your liability coverage
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Correct answer: Your liability coverage
Refer to your liability coverage to assess what expenses will need to be paid and what you are eligible to receive.
Source: Iowa Driver’s License Manual (July 2026), page 63
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If you are considered at fault in a crash involving another driver, what will you need to discuss with your insurance?
- What expenses you will have to cover for the other driver
- Whether your license will be renewed
- How soon you may drive again
- Which repair shop the other driver is required to use
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Correct answer: What expenses you will have to cover for the other driver
If you are at fault in a crash involving another driver, you will need to discuss what expenses you will have to cover for them as well.
Source: Iowa Driver’s License Manual (July 2026), page 63