New Hampshire: Insurance Practice Test
What the manual says about insurance in New Hampshire, responsibility after an uninsured crash and SR-22 proof of insurance.
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Questions are original and based on the official manual "New Hampshire Driver’s Manual" (DSMV 360 (Rev. 11/25)), New Hampshire Division of Motor Vehicles (DMV).
All 9 questions in this practice test
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What does the manual say about automobile insurance in New Hampshire?
- Every driver must carry automobile insurance at all times
- Insurance is required only on interstate highways
- Insurance is required only for vehicles registered in New Hampshire
- There is no mandatory law, so a driver may drive without insurance
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Correct answer: There is no mandatory law, so a driver may drive without insurance
The manual says New Hampshire has no mandatory insurance law, so a driver may drive a vehicle in the state without insurance.
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 32 · Open this page in the manual (Manual page 32)
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For what could a driver in an uninsured accident be held responsible?
- Payment of all damages to the other person's property and all medical bills
- Only the damages to their own vehicle and their own medical bills
- Only the cost of towing the vehicles away from the crash scene
- A fixed penalty paid to the Division of Motor Vehicles
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Correct answer: Payment of all damages to the other person's property and all medical bills
A driver in an uninsured accident could be held responsible for all damages to the other person's property and all medical bills arising out of the crash.
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 32 · Open this page in the manual (Manual page 32)
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A driver cannot pay damages and medical bills after an uninsured accident. What does New Hampshire law require the DMV to do?
- Revoke the driver's license permanently and cancel the registration
- Impound the driver's vehicle until the bills have been paid
- Suspend the driver's driving privileges until a settlement has been reached
- Require the driver to retake the knowledge test
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Correct answer: Suspend the driver's driving privileges until a settlement has been reached
New Hampshire law requires the Division of Motor Vehicles to suspend the driver's driving privileges until a settlement has been reached.
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 32 · Open this page in the manual (Manual page 32)
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What may New Hampshire law require a driver to carry for several years after an uninsured accident?
- A bond posted with the Division of Motor Vehicles each year
- Insurance, shown by an SR-22 certificate filed by an insurance company
- A special license plate showing the driver was uninsured
- A written statement from the other driver releasing all claims
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Correct answer: Insurance, shown by an SR-22 certificate filed by an insurance company
The law may require insurance for several years after an uninsured accident, in the form of an SR-22 certificate filed by an insurance company.
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 32 · Open this page in the manual (Manual page 32)
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Whom does SR-22 insurance protect?
- Only the driver, not the passengers or other vehicles
- Only the other vehicles involved in the accident and their owners
- Only the passengers in the vehicle, not the driver
- The driver, the occupants of the vehicle, and any vehicle involved
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Correct answer: The driver, the occupants of the vehicle, and any vehicle involved
SR-22 insurance gives protection to the driver, to the occupants of the vehicle and for damage to any vehicle involved in the accident.
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 32 · Open this page in the manual (Manual page 32)
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Which conviction would require a driver to show the DMV proof of insurance (SR-22) to have driving and registration privileges reinstated?
- Failing to stop and report when involved in a crash
- Failing to signal before changing lanes on a highway
- Parking in a no-parking zone for several hours
- Driving with an expired registration sticker
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Correct answer: Failing to stop and report when involved in a crash
Failing to stop and report when involved in a crash is one of the convictions that requires proof of insurance (SR-22) for reinstatement.
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 33 · Open this page in the manual (Manual page 33)
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A driver is convicted of driving under the influence of alcohol or drugs. What must the driver show the DMV to have driving and registration privileges reinstated?
- A letter from the arresting police officer
- A certificate of vehicle inspection
- Proof of insurance (SR-22)
- A signed letter from a parent or guardian
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Correct answer: Proof of insurance (SR-22)
A conviction for driving under the influence of alcohol or drugs requires the driver to show the DMV proof of insurance (SR-22) for reinstatement.
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 33 · Open this page in the manual (Manual page 33)
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A driver is convicted of homicide arising out of the operation of a motor vehicle. What is required before driving and registration privileges are reinstated?
- A certified copy of the police crash report
- Showing the DMV proof of insurance (SR-22)
- Proof of a clean driving record for five years
- A medical certificate from a doctor
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Correct answer: Showing the DMV proof of insurance (SR-22)
Homicide arising out of the operation of a motor vehicle is one of the convictions that requires proof of insurance (SR-22) for reinstatement.
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 33 · Open this page in the manual (Manual page 33)
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Proof of insurance (SR-22) may also be required after a review of a driver's record of all traffic violations. What is this review called?
- A vehicle safety hearing
- An operator review panel
- A defensive driving hearing
- A just cause hearing
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Correct answer: A just cause hearing
After a review of a driver's record of all traffic violations, called a just cause hearing, a driver may have to show proof of insurance (SR-22).
Source: New Hampshire Driver’s Manual (DSMV 360 (Rev. 11/25)), page 33 · Open this page in the manual (Manual page 33)