Montana: Insurance and vehicle papers Practice Test
Montana’s required motor vehicle insurance, proof of insurance and the penalties for driving without it.
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Questions are original and based on the official manual "Montana Driver Manual" (Revised April 2024), Montana Department of Justice, Motor Vehicle Division.
All 26 questions in this practice test
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What must you have and carry for the vehicle being operated?
- Evidence of vehicle liability insurance
- A certificate of title for the vehicle
- A receipt for the last oil change
- Proof of a vehicle safety inspection
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Correct answer: Evidence of vehicle liability insurance
The quick reference says it is mandatory to have and carry evidence of vehicle liability insurance on the vehicle being operated.
Source: Montana Driver Manual (Revised April 2024), page 1
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For which vehicles is liability insurance not mandatory in Montana?
- Pickup trucks
- Motorcycles
- Rental cars
- Farm vehicles
Show answer
Correct answer: Motorcycles
Liability insurance is mandatory except for motorcycles.
Source: Montana Driver Manual (Revised April 2024), page 47
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Mandatory liability insurance must be in effect in which vehicle?
- Only the owner's main vehicle
- Only vehicles used on interstates
- The vehicle being operated
- Only vehicles under 10 years old
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Correct answer: The vehicle being operated
Liability insurance must be in effect in the vehicle being operated.
Source: Montana Driver Manual (Revised April 2024), page 47
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What is the minimum liability insurance an owner must have for bodily injury or death of one person in any one accident?
- $25,000
- $15,000
- $20,000
- $100,000
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Correct answer: $25,000
Owners must always have insurance of at least $25,000 for bodily injury or death of one person in any one accident.
Source: Montana Driver Manual (Revised April 2024), page 47
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What is the minimum liability insurance an owner must have for bodily injury or death of two persons in any one accident?
- $50,000
- $30,000
- $40,000
- $100,000
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Correct answer: $50,000
Owners must always have insurance of at least $50,000 for bodily injury or death of two persons in any one accident.
Source: Montana Driver Manual (Revised April 2024), page 47
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What is the minimum liability insurance an owner must have for injury to or destruction of property of others in any one accident?
- $5,000
- $15,000
- $10,000
- $20,000
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Correct answer: $10,000
Owners must always have insurance of at least $10,000 for injury to or destruction of property of others in any one accident.
Source: Montana Driver Manual (Revised April 2024), page 47
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Under Montana law, a motorist stopped for a traffic violation must show law enforcement a driver license, the vehicle registration, and what else?
- A vehicle inspection report
- Evidence of insurance
- Proof of Montana residency
- A copy of the driving record
Show answer
Correct answer: Evidence of insurance
Motorists stopped for a traffic violation or involved in a collision must show evidence of insurance, in addition to their driver license and vehicle registration.
Source: Montana Driver Manual (Revised April 2024), page 47
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Where must evidence of insurance be kept?
- At home, with the vehicle title
- Only on file with the MVD
- With the County Treasurer office
- In the vehicle at all times
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Correct answer: In the vehicle at all times
Evidence of insurance must be carried in the vehicle at all times.
Source: Montana Driver Manual (Revised April 2024), page 47
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What kind of offense is driving a motor vehicle on Montana roads without a valid liability insurance policy?
- A felony
- A civil infraction only
- A misdemeanor
- A parking violation
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Correct answer: A misdemeanor
Driving on Montana roads without a valid liability insurance policy is a misdemeanor.
Source: Montana Driver Manual (Revised April 2024), page 47
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What fine can be given for a first offense of driving without a valid liability insurance policy?
- At least $250, not more than $500
- At least $100, not more than $250
- At least $500, not more than $1,000
- At least $50, not more than $150
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Correct answer: At least $250, not more than $500
A first offense is punishable by a fine of at least $250, not to exceed $500, or up to 10 days in the county jail, or both, plus 5 points.
Source: Montana Driver Manual (Revised April 2024), page 47
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Driving without a valid liability insurance policy can be punished by imprisonment in the county jail for up to how long?
- 30 days
- 6 months
- 1 year
- 10 days
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Correct answer: 10 days
Driving without valid liability insurance is punishable by imprisonment in the county jail for up to 10 days, for a first or a later offense.
Source: Montana Driver Manual (Revised April 2024), page 47
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What is the minimum fine for a 2nd or subsequent offense of driving without valid liability insurance?
- At least $150
- At least $350
- At least $200
- At least $1,000
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Correct answer: At least $350
A 2nd or subsequent offense is punishable by a fine of at least $350, or up to 10 days in the county jail, or both, and suspension of plates and registration.
Source: Montana Driver Manual (Revised April 2024), page 47
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For a 2nd offense of driving without valid liability insurance, how long are your license plates and registration suspended?
- 30 days
- 60 days
- 365 days
- 90 days
Show answer
Correct answer: 90 days
A 2nd offense brings suspension of your license plates and registration for 90 days.
Source: Montana Driver Manual (Revised April 2024), page 47
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For a 3rd or subsequent offense of driving without valid liability insurance, how long are your license plates and registration suspended?
- 180 days
- 60 days
- 120 days
- 365 days
Show answer
Correct answer: 180 days
For a 3rd or subsequent offense, license plates and registration are suspended for 180 days.
Source: Montana Driver Manual (Revised April 2024), page 47
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After an accident, a court finds you responsible for the damages. Your license and registration can be suspended if you fail to pay the fine within how many days?
- 10 days
- 30 days
- 60 days
- 120 days
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Correct answer: 60 days
Your license and registration can be suspended if a court finds you responsible for the damages and you fail to pay the fine within 60 days.
Source: Montana Driver Manual (Revised April 2024), page 47
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Your license and registration are suspended because you did not pay a court-ordered fine after an accident. How long does the suspension last?
- Until the fine is paid or 1 year has passed
- Until the fine is paid or 90 days have passed
- Until you take a driver improvement course
- Until the fine is paid or 6 years have passed
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Correct answer: Until the fine is paid or 6 years have passed
The suspension is automatic and remains in effect until the fine has been paid or 6 years have elapsed.
Source: Montana Driver Manual (Revised April 2024), page 47
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Besides the suspension for an unpaid court-ordered fine after an accident, what will you be required to submit?
- A new vehicle title application
- Evidence of motor vehicle insurance
- Proof of a driver education course
- A medical report from a doctor
Show answer
Correct answer: Evidence of motor vehicle insurance
In addition to the suspension, you will be required to submit evidence of motor vehicle insurance.
Source: Montana Driver Manual (Revised April 2024), page 47
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Owners of more than how many motor vehicles registered in Montana may qualify as self-insurers?
- 5
- 10
- 25
- 100
Show answer
Correct answer: 25
The law says owners of more than 25 motor vehicles registered in Montana may qualify as self-insurers.
Source: Montana Driver Manual (Revised April 2024), page 47
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A non-resident owner or operator is involved in an accident in Montana. What insurance will be accepted?
- Adequate insurance from a company licensed to do business in Montana
- Only a Montana policy bought within 30 days after the accident
- A written promise to pay for any damage that was caused
- None is needed, as non-residents are exempt from the law
Show answer
Correct answer: Adequate insurance from a company licensed to do business in Montana
For non-resident owners or operators in an accident in Montana, adequate insurance written by a company licensed to do business in Montana will be accepted.
Source: Montana Driver Manual (Revised April 2024), page 47
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What happens to non-residents driving in Montana who do not comply with the Safety Responsibility Law?
- Their driving privileges in Montana will be withdrawn
- They must buy Montana license plates for the vehicle
- Nothing, since the law applies only to Montana residents
- They must pass the Montana knowledge test to keep driving
Show answer
Correct answer: Their driving privileges in Montana will be withdrawn
Non-residents owning or operating vehicles in Montana are subject to the Safety Responsibility Law, and if they do not comply, their Montana driving privileges will be withdrawn.
Source: Montana Driver Manual (Revised April 2024), page 47
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When will a certified copy of a non-resident's record be sent to the non-resident's home state?
- Whenever the non-resident asks in writing for it to be sent home
- Only after the non-resident's third offense on Montana roads
- If the home state has a law authorizing authorities to act on it
- Only if the non-resident also holds a Montana driver license
Show answer
Correct answer: If the home state has a law authorizing authorities to act on it
A certified copy of the record will be sent to a non-resident's home state if that state has a law authorizing authorities to act on it.
Source: Montana Driver Manual (Revised April 2024), page 47
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Montana law directs which agency to establish the motor vehicle insurance verification system?
- The Montana Department of Transportation
- The Montana Department of Justice
- The Montana Highway Patrol
- The County Treasurer offices
Show answer
Correct answer: The Montana Department of Justice
Montana law directs the Montana Department of Justice to establish a motor vehicle insurance verification system; the Montana Insurance Verification System (MTIVS) fulfills this requirement.
Source: Montana Driver Manual (Revised April 2024), page 47
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What does the Montana Insurance Verification System (MTIVS) do?
- Sells liability insurance policies to Montana drivers
- Issues vehicle registrations online to vehicle owners
- Records the points placed against each driver's record
- Confirms if a vehicle has minimum liability insurance
Show answer
Correct answer: Confirms if a vehicle has minimum liability insurance
MTIVS uses up-to-the-minute data to confirm if a vehicle has minimum liability insurance coverage.
Source: Montana Driver Manual (Revised April 2024), page 47
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Where does MTIVS get the information it uses?
- Traffic court records and the records of driving schools
- Police crash reports and the records of auto repair shops
- Montana vehicle registration records and insurance companies
- Driver license test results and medical reports from doctors
Show answer
Correct answer: Montana vehicle registration records and insurance companies
MTIVS uses information from Montana vehicle registration records and from insurance companies that write policies in Montana.
Source: Montana Driver Manual (Revised April 2024), page 47
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Who can use MTIVS to confirm evidence of insurance?
- Police, courts, the MVD, County Treasurer offices, and the public
- Only police officers who stop a vehicle for a violation
- Only insurance companies that write policies in Montana
- Only the MVD and the courts, but not the general public
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Correct answer: Police, courts, the MVD, County Treasurer offices, and the public
Law enforcement agencies, courts, the MVD, County Treasurer offices, and the public can use MTIVS to confirm evidence of insurance.
Source: Montana Driver Manual (Revised April 2024), page 47
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What is the ultimate goal of the Montana Insurance Verification System?
- To raise the minimum liability coverage owners must carry
- To end the need to carry evidence of insurance in the vehicle
- To set the prices of insurance policies for Montana drivers
- To reduce the number of drivers without required liability insurance
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Correct answer: To reduce the number of drivers without required liability insurance
The ultimate goal of MTIVS is to reduce the number of drivers in Montana who do not carry liability insurance as required by Montana law.
Source: Montana Driver Manual (Revised April 2024), page 47