New Mexico: Insurance Practice Test
The Mandatory Financial Responsibility Act, the minimum liability coverage and what happens without insurance.
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Questions are original and based on the official manual "New Mexico Driver Manual" (Version 11.19.19), New Mexico Motor Vehicle Division (MVD).
All 6 questions in this practice test
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What must everyone who operates a motor vehicle in New Mexico have?
- A collision and comprehensive insurance policy
- A motor vehicle liability insurance policy
- A medical payments insurance policy for passengers
- A written statement of insurance from the MVD
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Correct answer: A motor vehicle liability insurance policy
Everyone who operates a motor vehicle in New Mexico must have a motor vehicle liability insurance policy.
Source: New Mexico Driver Manual (Version 11.19.19), page 34
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When does the Mandatory Financial Responsibility Act require proof of insurance to be carried in the vehicle?
- At all times
- Only when you drive outside New Mexico
- Only when you renew your registration
- Only during your first year of driving
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Correct answer: At all times
The Act requires that proof of such insurance be carried in the vehicle at all times.
Source: New Mexico Driver Manual (Version 11.19.19), page 35
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What is the minimum liability coverage required for bodily injury to or death of one person in any one accident?
- $15,000
- $30,000
- $25,000
- $100,000
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Correct answer: $25,000
The law's minimum amount for bodily injury to or death of one person in any one accident is $25,000.
Source: New Mexico Driver Manual (Version 11.19.19), page 35
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What is the minimum liability coverage required for bodily injury to or death of two or more persons in any one accident?
- $35,000
- $50,000
- $75,000
- $250,000
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Correct answer: $50,000
The law's minimum amount for bodily injury to or death of two or more persons in any one accident is $50,000.
Source: New Mexico Driver Manual (Version 11.19.19), page 35
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What is the minimum liability coverage required for injury to or destruction of property of others in any one accident?
- $5,000
- $20,000
- $40,000
- $10,000
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Correct answer: $10,000
The law's minimum amount for injury to or destruction of property of others in any one accident is $10,000.
Source: New Mexico Driver Manual (Version 11.19.19), page 35
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What could result from failure to have insurance?
- A warning letter only, with no other penalty
- A required vehicle inspection every month for a year
- Loss of your vehicle title and a mandatory driving course
- Non-issuance or suspension of your vehicle registration
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Correct answer: Non-issuance or suspension of your vehicle registration
Failure to have insurance could result in non-issuance or suspension of your vehicle registration, surrender of the license plates, and possible criminal penalties.
Source: New Mexico Driver Manual (Version 11.19.19), page 35