Louisiana: Insurance and registration — Part 1 Practice Test
Questions in this part include: “By what must any vehicle used on the highways of Louisiana be insured?” · “In the manual's description of insurance fraud, what is a repair shop rip-off?”
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Questions are original and based on the official manual "Class D & E Driver’s Guide" (Revised August 2025 (DPSMV2052 R08/25)), Louisiana Office of Motor Vehicles.
All 19 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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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
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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
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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
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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
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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)