Louisiana: Insurance and registration
Proof of insurance, insurance fraud, vehicle title and registration, and inspection stickers. Split into 2 shorter tests so you're not stuck in one long quiz.
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All 37 Insurance and registration questions with answers
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A person with a valid or expired out-of-state picture license who applies for a Louisiana license must provide proof of insurance on which vehicle?
- Only vehicles you plan to buy within a year
- Only vehicles used for work
- Any personal vehicle registered in Louisiana
- Only vehicles that are less than ten years old
Show answer
Correct answer: Any personal vehicle registered in Louisiana
The manual requires proof of insurance on any personal vehicle you may have registered in Louisiana.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 3 · Open this page in the manual (Manual page 3)
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By what must any vehicle used on the highways of Louisiana be insured?
- Collision insurance bought from any licensed company
- Comprehensive insurance on the value of the vehicle
- Insurance from a company based in Louisiana only
- Liability insurance or another allowable substitute
Show answer
Correct answer: Liability insurance or another allowable substitute
Any vehicle used upon the highways of Louisiana must be insured by liability insurance or other allowable substitute.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 7 · Open this page in the manual (Manual page 7)
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When must you submit proof of insurance for the vehicles you own?
- At the time of license issuance
- Only when a police officer asks
- Within 30 days after you buy the vehicle
- Only at your next license renewal
Show answer
Correct answer: At the time of license issuance
The manual says you must submit such proof for vehicles you own at the time of license issuance.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 7 · Open this page in the manual (Manual page 7)
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Which item must be on your proof of insurance for it to be acceptable by law enforcement and the Office of Motor Vehicles?
- The amount of the premium
- The agent's phone number
- The effective dates
- The date of the last claim
Show answer
Correct answer: The effective dates
Acceptable proof must contain the company name, policy number, effective dates, vehicle description, name of the insured party and NAIC number.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 7 · Open this page in the manual (Manual page 7)
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What does the NAIC number on proof of insurance indicate to law enforcement?
- The vehicle has passed its safety inspection
- The policy was issued to a licensed driver
- The coverage meets the minimum liability amount
- The company is authorized to do business in Louisiana
Show answer
Correct answer: The company is authorized to do business in Louisiana
The NAIC number indicates to law enforcement that the company is authorized to conduct business in Louisiana.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 7 · Open this page in the manual (Manual page 7)
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By law, where must your insurance card be kept as evidence of insurance?
- In the vehicle
- At home in a safe place
- In your wallet when you renew
- At the OMV office
Show answer
Correct answer: In the vehicle
By law, your insurance card must be kept in the vehicle as evidence of insurance.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 7 · Open this page in the manual (Manual page 7)
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What must you present for the vehicle you are using for the road skills test?
- A bill of sale
- Proof of liability insurance
- A written note from the owner's employer
- A receipt for the last oil change
Show answer
Correct answer: Proof of liability insurance
You must present proof of liability insurance on the vehicle being used for the test.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 9 · Open this page in the manual (Manual page 9)
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What is required for a duplicate license in Louisiana on any registered vehicle you own?
- Proof of liability insurance
- A new vision exam
- A new written knowledge test
- A vehicle inspection report
Show answer
Correct answer: Proof of liability insurance
Proof of current liability insurance is required on any registered vehicle when applying for a duplicate license.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 11 · Open this page in the manual (Manual page 11)
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Which of these is one of the five most common types of automobile insurance fraud named in the manual?
- Fictional theft
- Odometer tampering
- Premium evasion
- License plate swapping
Show answer
Correct answer: Fictional theft
The manual names fictional theft, repair shop rip-offs, uncompleted repairs, deceptive claims, and staged collisions as the five most common types.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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In the manual's description of insurance fraud, what is a fictional theft?
- A shop owner offers to inflate a policyholder's damage estimate
- A shop owner does not replace parts needed to complete a repair
- A crash victim files a claim for repairs already claimed
- A phony claim is filed for a "stolen" vehicle that is in "storage"
Show answer
Correct answer: A phony claim is filed for a "stolen" vehicle that is in "storage"
A fictional theft occurs when a policyholder files a phony insurance claim for a "stolen" vehicle that he knows is simply in "storage."
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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In the manual's description of insurance fraud, what is a repair shop rip-off?
- A policyholder files a phony claim for a vehicle that is in storage
- A shop owner offers to inflate a damage estimate to cover the deductible
- A shop owner does not replace parts needed to complete a repair
- A crash victim files a claim for repairs already claimed
Show answer
Correct answer: A shop owner offers to inflate a damage estimate to cover the deductible
A repair shop rip-off occurs when the owner of an auto repair shop or glass shop offers to inflate a policyholder's damage estimate as a favor to cover the deductible.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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In the manual's description of insurance fraud, what is an uncompleted repair?
- A policyholder files a phony claim for a vehicle that is in storage
- A shop owner routinely does not replace parts needed for the repair
- A shop owner offers to inflate the damage estimate for the deductible
- A crash victim files a claim for repairs already claimed
Show answer
Correct answer: A shop owner routinely does not replace parts needed for the repair
An uncompleted repair occurs when the owner of an auto repair shop routinely does not replace parts that are required to complete the repair.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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In the manual's description of insurance fraud, what is a deceptive claim?
- A policyholder files a phony claim for a vehicle that is in storage
- A shop owner offers to inflate the damage estimate for the deductible
- A crash victim files a claim for repairs that had been previously claimed
- A shop owner does not replace parts needed to complete a repair
Show answer
Correct answer: A crash victim files a claim for repairs that had been previously claimed
A deceptive claim is when a crash victim files a claim for repairs that had been previously claimed.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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To help prevent vehicle repair fraud, what kind of collision repair shop should you use?
- A reputable shop that employs ASE-certified mechanics
- The shop that gives the lowest estimate
- A shop recommended by a tow truck operator at the scene
- A shop that offers to cover your deductible
Show answer
Correct answer: A reputable shop that employs ASE-certified mechanics
The manual says to use reputable collision repair shops that employ ASE-certified mechanics.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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From whom does the manual say you should obtain a collision repair shop recommendation?
- A tow truck operator at the scene
- A person who stops at the scene of the crash
- The first shop you find in an advertisement
- Your insurance company, a family member, or a friend
Show answer
Correct answer: Your insurance company, a family member, or a friend
The manual says to obtain a shop recommendation from your insurance company, a family member, or a friend.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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What kind of repair facility does the manual say to select?
- One that offers the lowest price
- One that is closest to the crash scene
- One that has the most vehicles waiting for repair
- One that is clean and orderly, with updated equipment
Show answer
Correct answer: One that is clean and orderly, with updated equipment
The manual says to select a facility that is clean and orderly, with updated equipment.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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What kind of written document does the manual say a collision repair shop should use?
- A written estimate of cost instead of a damage report
- A written damage report instead of a written estimate
- A signed release of the shop's responsibility
- A written statement of the policyholder's deductible
Show answer
Correct answer: A written damage report instead of a written estimate
The manual says to choose a shop that uses a written damage report instead of a written estimate of cost/price of repair.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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How does the manual describe a damage report?
- As a receipt for your repairs
- As a copy of your insurance claim
- As a "blueprint" for your repairs
- As a list of the parts to be discounted
Show answer
Correct answer: As a "blueprint" for your repairs
The manual calls a damage report a "blueprint" for your repairs and says it contains more details than written estimates.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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What should you ask for on installed collision repair parts and paint work?
- A written warranty
- A verbal guarantee from the manager
- A free rental car
- A refund of your deductible
Show answer
Correct answer: A written warranty
The manual says to ask for a written warranty on installed collision repair parts and paint work.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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When should you contact your insurance company or producer after a crash?
- Within one week
- After the repairs are finished
- As soon as possible
- Only after the police report arrives
Show answer
Correct answer: As soon as possible
The manual says to contact your insurance company or producer as soon as possible to report the crash and open a claim.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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After you have contacted your producer about a crash, what does the manual say to do with calls about the crash?
- Refer them to the person handling your claim
- Answer all of their questions yourself
- Refer them to the police officer
- Ignore them until the repairs are finished
Show answer
Correct answer: Refer them to the person handling your claim
The manual says to refer any calls regarding the crash to the person handling your claim.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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To which agency does the manual say to report insurance fraud?
- The Office of Motor Vehicles Fraud Division
- The Louisiana Department of Revenue Fraud Division
- The Louisiana Department of Public Safety Fraud Division
- The Louisiana Department of Insurance Fraud Division
Show answer
Correct answer: The Louisiana Department of Insurance Fraud Division
The manual says to report insurance fraud to the Louisiana Department of Insurance Fraud Division.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 98 · Open this page in the manual (Manual page 98)
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When should you notify your insurance company after a crash?
- Only after the police ask you to
- As soon as practical
- Only if you were at fault
- After the repairs have been completed
Show answer
Correct answer: As soon as practical
Notify your insurance company as soon as practical and give complete information about the crash.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 120 · Open this page in the manual (Manual page 120)
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What may some insurance companies do if you have a felony record?
- Cancel your health insurance only
- Lower your auto insurance rate
- Require you to buy extra life insurance
- Refuse to sell you auto insurance
Show answer
Correct answer: Refuse to sell you auto insurance
The manual notes that some insurance companies will not sell you auto insurance if you have a felony record.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 125 · Open this page in the manual (Manual page 125)
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After a DWI conviction, for how long must proof of future financial responsibility be filed and maintained?
- One year from the date of conviction
- Five years from the date of conviction
- Ten years from the date of conviction
- Three years from the date of conviction
Show answer
Correct answer: Three years from the date of conviction
In addition to the other penalties, proof of future financial responsibility must be filed and maintained for three years from the date of conviction.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 125 · Open this page in the manual (Manual page 125)
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How does the manual describe an SR-22?
- A driver improvement course
- High risk insurance
- A restricted license form
- A court payment receipt
Show answer
Correct answer: High risk insurance
The manual describes an SR-22 as high risk insurance, which must be filed as proof of future financial responsibility before privileges are reinstated.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 126 · Open this page in the manual (Manual page 126)
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What kind of insurance document do you present when you apply for a title for a used vehicle?
- A medical insurance card
- A life insurance policy
- A declaration of liability insurance
- A declaration of collision insurance
Show answer
Correct answer: A declaration of liability insurance
The documents to present include a declaration of liability insurance.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 135 · Open this page in the manual (Manual page 135)
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What does the manual say about any vehicle used upon the highways of Louisiana?
- It must be insured
- It must be insured only if it is under 10 years old
- It must be insured only if it has a lien
- It may be insured at the owner's choice
Show answer
Correct answer: It must be insured
Any vehicle used upon the highways of Louisiana must be insured.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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What must you have when you apply for a license plate?
- Proof of a previous inspection sticker on the same vehicle
- Proof of your employer's address and your work schedule
- Proof of the required liability insurance or a substitute
- A written statement from your lien holder about the loan
Show answer
Correct answer: Proof of the required liability insurance or a substitute
When you apply for a license plate, you must have proof of the required liability insurance or other allowable substitute.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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What must you do when a law enforcement officer requests proof of insurance?
- Present it only at a Motor Vehicle office
- Present it any time the officer requests it
- Present it only if you are charged with a violation
- Mail it to the officer within five days
Show answer
Correct answer: Present it any time the officer requests it
Proof of insurance must be presented any time a law enforcement officer requests that proof be provided.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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If you are stopped by a law enforcement officer and cannot provide proof of insurance, what may happen to your vehicle and license plate?
- The registration will be renewed for sixty days at no cost
- The vehicle will be given a temporary cardboard plate instead
- The plate will be kept by the officer for a full year
- The license plate will be seized and the vehicle may be impounded
Show answer
Correct answer: The license plate will be seized and the vehicle may be impounded
If you cannot provide proof of insurance, the vehicle's license plate will be seized and the vehicle may be impounded.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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If your license plate is seized for no proof of insurance, how long do you have to provide the proof at a Motor Vehicle office?
- Three calendar days, excluding Saturdays, Sundays, and legal holidays
- Three calendar days, including Saturdays, Sundays, and holidays
- Ten calendar days, excluding Saturdays, Sundays, and holidays
- Thirty calendar days from the date of the notice of violation
Show answer
Correct answer: Three calendar days, excluding Saturdays, Sundays, and legal holidays
You have three calendar days, excluding Saturdays, Sundays and legal holidays, to provide the proof at a Motor Vehicle office.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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Where is the office at which you may retrieve your seized license plate identified?
- On the back of your vehicle registration certificate card
- On the inspection sticker that is on the windshield
- On the notice of violation issued by the law enforcement officer
- In a letter that is mailed by your insurance company
Show answer
Correct answer: On the notice of violation issued by the law enforcement officer
The office location is identified on the notice of violation issued to you by the law enforcement officer.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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What happens if you do not give the office proof of insurance within the three calendar day period after your plate is seized?
- Your plate will be returned to you after a written warning
- Your plate will be destroyed and you must pay to re-register the vehicle
- Your title will be released to the lien holder of the vehicle
- Your plate will be kept for a year and then given back to you
Show answer
Correct answer: Your plate will be destroyed and you must pay to re-register the vehicle
If proof is not provided within three calendar days, the license plate will be destroyed and you must pay all necessary fees to have the vehicle re-registered.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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What may happen if you provide false information about your insurance coverage?
- Your insurance company must pay a fine to the court
- Only the color of your license plate will be changed by the state
- Your title may be given to the lien holder of the vehicle
- Your registration may be suspended and you may be fined and jailed
Show answer
Correct answer: Your registration may be suspended and you may be fined and jailed
False information about insurance coverage may lead to registration suspension, a court fine, and jail.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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If you decide to no longer drive a vehicle on the highways, what should you do with the license plate?
- Remove it and surrender it to the Office of Motor Vehicles before the insurance is canceled
- Keep it on the vehicle until the day the insurance is canceled by the company
- Surrender it to the insurance company after the insurance has been canceled
- Destroy it yourself after the registration of the vehicle has expired
Show answer
Correct answer: Remove it and surrender it to the Office of Motor Vehicles before the insurance is canceled
You should remove the plate and surrender it to the Office of Motor Vehicles before the insurance is canceled.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)
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What happens if the license plate is not surrendered before the insurance is canceled?
- Nothing, because the registration is still valid
- The plate is automatically transferred to a new vehicle
- Penalties will be assessed
- The insurance is renewed for you
Show answer
Correct answer: Penalties will be assessed
Penalties will be assessed if the license plate is not surrendered prior to the insurance cancellation.
Source: Class D & E Driver’s Guide (Revised August 2025 (DPSMV2052 R08/25)), page 136 · Open this page in the manual (Manual page 136)