Maine: Insurance Practice Test
Maine’s insurance requirements, proof of insurance and the information to exchange after a crash.
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Questions are original and based on the official manual "Maine Driver’s License Manual" (Rev 4/24), Maine Bureau 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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Failure to file required insurance is a typical offense that requires which action?
- Revocation of your license
- A written warning only
- Suspension of your license
- A mandatory driving course
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Correct answer: Suspension of your license
Failure to file required insurance is listed among the typical offenses requiring suspension.
Source: Maine Driver’s License Manual (Rev 4/24), page 1-7 · Open this page in the manual (Manual page 1-7)
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If you are responsible for accident damage and have no liability insurance, your license and registration must be suspended until:
- The damage has been fully paid to the other party
- Proof of insurance is filed with the Secretary of State
- A new vehicle registration has been purchased
- You pass the written test a second time
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Correct answer: Proof of insurance is filed with the Secretary of State
License and registration are suspended until proof of insurance is filed with the Secretary of State.
Source: Maine Driver’s License Manual (Rev 4/24), page 1-10 · Open this page in the manual (Manual page 1-10)
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Maine law requires every owner and operator of a motor vehicle to maintain what?
- Motor vehicle liability insurance
- Collision insurance for repairs to the vehicle
- Comprehensive insurance against theft
- Medical payments coverage only
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Correct answer: Motor vehicle liability insurance
Every owner and operator of a motor vehicle must maintain motor vehicle liability insurance.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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To whom must you present evidence of motor vehicle insurance upon request?
- A vehicle inspection station attendant
- A law enforcement officer
- A municipal tax collector
- A passing motorist who asks for it
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Correct answer: A law enforcement officer
Owners and operators must present evidence of insurance upon request of a law enforcement officer.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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Must you have insurance on a vehicle you are operating if you are not its owner?
- No, only the registered owner must insure the vehicle
- Only if you drive it for more than 30 days
- Yes, any vehicle you operate must be insured
- Only if the owner is not riding in the vehicle
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Correct answer: Yes, any vehicle you operate must be insured
Any vehicle you are operating must be insured even though you are not the owner.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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Where should you carry your evidence of insurance?
- In a safe place at home
- With your certificate of title
- At the vehicle inspection station
- In the vehicle you are operating
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Correct answer: In the vehicle you are operating
You should verify and carry evidence of insurance in the vehicle.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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Maine law requires Maine motorists to show evidence of insurance when they do what?
- Register a motor vehicle
- Have a vehicle inspected
- Pay the excise tax
- Apply for a duplicate title
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Correct answer: Register a motor vehicle
Maine law requires motorists to show evidence of insurance when they register a motor vehicle.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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Which information must appear on an insurance policy’s summary document accepted as evidence of insurance?
- The insured driver’s license number and date of birth
- The purchase price and factory list price of the vehicle
- The period the vehicle is covered (effective and expiration dates)
- The name of the municipality that collected the excise tax
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Correct answer: The period the vehicle is covered (effective and expiration dates)
The summary document must describe the vehicle insured, the name of the insured, the amount and type of coverage and the period covered (effective and expiration dates).
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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The amount of insurance shown on evidence of insurance must meet what?
- The vehicle’s factory list price
- Maine’s minimum liability requirements
- The excise tax due on the vehicle
- The cost of the vehicle’s registration
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Correct answer: Maine’s minimum liability requirements
The amount of insurance shown must meet Maine’s minimum liability requirements.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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What can result from failing to produce evidence of insurance when required?
- Permanent revocation of your license and a requirement to retake the written test
- An automatic inspection of the vehicle and loss of your inspection sticker for a year
- A charge of reckless driving and the loss of your vehicle title for one year
- A charge of uninsured operation and suspension of your license and registration privileges
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Correct answer: A charge of uninsured operation and suspension of your license and registration privileges
Failure to produce evidence of insurance can result in a charge of uninsured operation and suspension of license and registration privileges.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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What certificate must you file as proof of financial responsibility if you are adjudicated of failure to produce evidence of insurance?
- An SR-22 insurance certificate
- A Use Tax Certificate
- A certificate of title
- A manufacturer’s certificate of origin
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Correct answer: An SR-22 insurance certificate
You must file proof of financial responsibility through an SR-22 insurance certificate or face suspension of your license and registration privileges.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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It is a crime to do which of these with evidence of insurance?
- Present a letter from an insurance company showing liability coverage
- Show an insurance binder to a law enforcement officer
- Display evidence of insurance that is fictitious or altered
- Show an insurance card when registering a vehicle
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Correct answer: Display evidence of insurance that is fictitious or altered
It is a crime to display evidence of insurance that is fictitious or altered.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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An uninsured motorist causes an injury or property damage of $1000 or more. What must be shown before he or she may operate a vehicle again?
- A receipt showing the excise tax was paid on the vehicle
- Proof of financial responsibility or proper insurance
- A new certificate of title for the vehicle
- A letter from the municipal tax collector
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Correct answer: Proof of financial responsibility or proper insurance
An uninsured motorist who causes $1000 or more in injury or property damage may not operate a vehicle until proof of financial responsibility or proper insurance has been shown.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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If a court judgment is obtained against an uninsured motorist, what is suspended until the judgment is satisfied?
- Only the vehicle’s inspection sticker
- Only the vehicle’s certificate of title
- Only the vehicle’s excise tax receipt
- Driving and registration privileges
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Correct answer: Driving and registration privileges
When a court judgment is obtained, driving and registration privileges are suspended until the judgment is satisfied.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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By law, what coverage do all automobile liability policies written in Maine include?
- Uninsured motorist coverage
- Collision coverage for repairs
- Rental car coverage
- Towing coverage
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Correct answer: Uninsured motorist coverage
By law, all automobile liability policies written in Maine include uninsured motorist coverage.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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Uninsured motorist coverage protects the insured for bodily injury damages up to the limits of what?
- The Maine Automobile Insurance Plan
- The Maine Financial Responsibility Law
- The Maine Excise Tax Law
- The Maine Motor Vehicle Inspection Law
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Correct answer: The Maine Financial Responsibility Law
Uninsured motorist coverage protects the insured for bodily injury damages up to the limits of the Maine Financial Responsibility Law, with higher limits optional.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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Through what can a person who cannot get insurance through regular channels obtain coverage?
- The Maine Uninsured Motorist Fund
- The Maine Municipal Insurance Pool
- The Maine Automobile Insurance Plan
- The Maine Motorist Safety Program
Show answer
Correct answer: The Maine Automobile Insurance Plan
Any individual unable to procure insurance through regular channels can obtain coverage through the Maine Automobile Insurance Plan.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)
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What does Maine law require of all insurance companies selling automobile insurance in the state?
- To offer collision coverage to every driver who applies
- To insure every vehicle that has passed inspection
- To charge the same premium to all drivers in the state
- To participate in the shared market for assigned-risk coverage
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Correct answer: To participate in the shared market for assigned-risk coverage
All insurance companies selling automobile insurance in Maine are required by law to participate in this shared market for people who cannot get coverage through regular channels.
Source: Maine Driver’s License Manual (Rev 4/24), page 2-3 · Open this page in the manual (Manual page 2-3)