Missouri: Insurance and vehicle papers — Part 4 Practice Test
Questions in this part include: “What must you do when you register a vehicle with the Department?” · “What happens if you fail to keep insurance for the three years you are required to file proof?”
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Questions are original and based on the official manual "Missouri Driver Guide" (Revised August 2026), Missouri Department of Revenue.
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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What must you do when you register a vehicle with the Department?
- Pay for three full years of insurance in advance
- Sign a form saying you have insurance and will keep it
- Show a safety inspection certificate from a licensed station
- Sign a form agreeing to file an SR-22 every year
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Correct answer: Sign a form saying you have insurance and will keep it
When you register a vehicle you must sign a form saying you have insurance and will keep insurance on the vehicle.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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A law enforcement officer asks you for proof of insurance and you cannot show it. What will happen?
- You will be allowed to show it later without penalty
- Your vehicle will be towed at once
- Your driver license will be cancelled on the spot
- You will receive a ticket
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Correct answer: You will receive a ticket
You must keep proof of insurance in your vehicle, and if you cannot show it to an officer you will receive a ticket.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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You are in a crash and did not show proof of insurance at the time. What will the Department do?
- Require you to prove you have insurance
- Take no action unless someone is injured
- Require you to pay a fine at the crash scene
- Cancel your registration without notice
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Correct answer: Require you to prove you have insurance
If you were in a crash and did not show proof of insurance then, the Department will require you to prove you have insurance.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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How will you be told if the Department learns you have not kept your insurance?
- By a phone call from a license office
- By a visit from a law enforcement officer
- By a notice of suspension sent in the mail
- By a notice posted at your local license office
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Correct answer: By a notice of suspension sent in the mail
You will receive a notice of suspension in the mail if the Department learns you have not kept your insurance.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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After a suspension for not keeping insurance, for how long are you required to file proof of insurance?
- Six months
- Three years
- One year
- Five years
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Correct answer: Three years
To get your license and plates back after a suspension for no insurance you must file proof of insurance for three years.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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For not keeping insurance, how long are your driver license and/or license plates suspended after two suspensions within two years of each other?
- 30 days
- 180 days
- Two years
- 90 days
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Correct answer: 90 days
After two suspensions within two years of each other, the license and/or plates are suspended for 90 days.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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For not keeping insurance, how long are your driver license and/or license plates suspended after three or more suspensions?
- One year
- 30 days
- 90 days
- Six months
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Correct answer: One year
After three or more suspensions for not keeping insurance, the license and/or plates are suspended for one year.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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What is the most common way to file proof of insurance with the Department after a suspension for no insurance?
- A Form 1140 accident report
- A mail-in driver license application
- An SR-22 insurance filing
- A Driver Examination Record
Show answer
Correct answer: An SR-22 insurance filing
The most common way to file proof of insurance is an SR-22 insurance filing made through your insurance company or agent.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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What happens if you fail to keep insurance for the three years you are required to file proof?
- The three-year period starts over with no penalty
- Your license and/or plates will be suspended again
- Only your registration sticker is cancelled
- You must retake the written test only
Show answer
Correct answer: Your license and/or plates will be suspended again
If you do not keep insurance for the three years, your driver license and/or vehicle license plates will be suspended again.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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You are at fault in an accident and do not pay for the damages you caused. For how long will your driver license and/or vehicle license plates be suspended?
- 30 days
- 90 days
- Three years
- One year
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Correct answer: One year
Failing to pay for damages you caused in an at-fault accident results in a one-year suspension of your license and/or plates.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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During a one-year suspension for not paying for damages, what proof must be sent to the Driver License Bureau to be reinstated?
- Proof that you have settled the damages
- Proof that you completed a driver improvement course
- Proof that your vehicle passed a safety inspection
- Proof that you hold a commercial license
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Correct answer: Proof that you have settled the damages
To be reinstated during the one-year period you must pay a fee and send proof that you have settled the damages.
Source: Missouri Driver Guide (Revised August 2026), page 80 · Open this page in the manual (Manual page 80)
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Within how many days does state law require an accident report to be filed with the Department?
- 10 days
- 60 days
- 90 days
- 30 days
Show answer
Correct answer: 30 days
State law requires the accident report to be filed within 30 days.
Source: Missouri Driver Guide (Revised August 2026), page 81 · Open this page in the manual (Manual page 81)
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One condition for a required accident report is damage to a person’s property in excess of what amount (or personal injury or death)?
- $500
- $250
- $1,000
- $2,500
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Correct answer: $500
A report is required when there is property damage in excess of $500, or personal injury or death, along with the other stated conditions.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)
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A qualifying accident happened in a parking lot and the drivers made a settlement. What must you do?
- Nothing, because a settlement ends the duty to report
- Report it only to your insurance company
- Report the accident to the Driver License Bureau
- Report it only if a law enforcement officer was called
Show answer
Correct answer: Report the accident to the Driver License Bureau
Even if the accident happened in a parking lot, or a settlement is made, a qualifying accident must be reported to the Driver License Bureau.
Source: Missouri Driver Guide (Revised August 2026), page 81 · Open this page in the manual (Manual page 81)
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An accident caused no more than $500 in property damage, injury, or death, but an uninsured motorist was involved. What may you do?
- Nothing, because no report of any kind is allowed
- File an accident report anyway
- Ask the other driver to file it for you only
- Wait one year before you may file a report
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Correct answer: File an accident report anyway
You may still file an accident report if an uninsured motorist was involved, even when a report is not required.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)
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When you report an accident involving an uninsured motorist, what is the Department able to do?
- Collect the cost of the damage from the uninsured motorist for you
- Suspend the license of the driver who filed the report
- Pay for the property damage from a state fund
- Take action against the uninsured motorist for not maintaining insurance
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Correct answer: Take action against the uninsured motorist for not maintaining insurance
The Department will only be able to take action against the uninsured motorist for not maintaining insurance.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)
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Where may you obtain a Motor Vehicle Accident Report (Form 1140)?
- Only from the Highway Patrol
- Only from the county clerk
- From any license office
- Only from the State Treasurer
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Correct answer: From any license office
The form is available from the Department’s website, your insurance company or agent, or any license office.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)
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After you fill out the accident report, how may you send it to the Department?
- Only in person at a license office
- By mail or by fax
- Only by telephone
- Only through your insurance agent
Show answer
Correct answer: By mail or by fax
After filling out the accident report you may mail or fax it to the Department.
Source: Missouri Driver Guide (Revised August 2026), page 82 · Open this page in the manual (Manual page 82)