Louisiana: Insurance and registration — Part 2 Practice Test
Questions in this part include: “When should you contact your insurance company or producer after a crash?” · “What kind of insurance document do you present when you apply for a title for a used vehicle?”
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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 18 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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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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
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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)