New York video lessons · Lesson 9 of 10
New York Insurance, Collisions and Registration: five situations explained
All five situations and their answers are below. To watch the lesson, create a free account.
In this video
- 0:00Intro
- 0:18Besides reducing points, what can a DMV-approved crash prevention course save you?
- 1:16You are in a crash in which someone dies, but you are not charged. Can your license still be suspended?
- 2:16In New York, leaving the scene of a crash that injured someone is what kind of violation?
- 3:13Your car insurance is about to end and you will not renew it. What should you do?
- 4:16When must you file a crash report with the New York DMV?
- 5:24Recap
In short
The course can reduce your point total by up to four and save up to 10 percent on auto liability and collision premiums. If another person is killed, your license can be suspended or revoked after a DMV hearing even if you were not charged. Leaving the scene of a crash with property damage is a traffic violation; leaving one with injury or death is a criminal violation.
The five situations
Pick an answer first, the way the video pauses for you. Each one cites the New York State Driver's Manual (MV-21).
Situation 1
Besides reducing points, what can a DMV-approved crash prevention course save you?
Answer: C. Up to 10 percent on liability and collision premiums. The course can reduce your point total by up to four and save up to 10 percent on auto liability and collision premiums.
New York State Driver's Manual (MV-21) › Chapter 2 › The Point System
Situation 2
You are in a crash in which someone dies, but you are not charged. Can your license still be suspended?
Answer: A. Yes, after a DMV hearing. If another person is killed, your license can be suspended or revoked after a DMV hearing even if you were not charged.
New York State Driver's Manual (MV-21) › Chapter 2 › Traffic Crashes
Situation 3
In New York, leaving the scene of a crash that injured someone is what kind of violation?
Answer: C. A criminal violation. Leaving the scene of a crash with property damage is a traffic violation; leaving one with injury or death is a criminal violation.
New York State Driver's Manual (MV-21) › Chapter 12 › At the Scene
Situation 4
Your car insurance is about to end and you will not renew it. What should you do?
Answer: A. Return the plates to a motor vehicle office before the insurance ends. Before your liability insurance expires or is discontinued, return the plates at a state or county motor vehicle office.
New York State Driver's Manual (MV-21) › Chapter 3 › Insurance
Situation 5
When must you file a crash report with the New York DMV?
Answer: B. If anyone is hurt or killed, or there is $1,000 or more in damage to one person’s property. Report any crash involving a death or injury, or $1,000 or more in damage to the property of any one person.
New York State Driver's Manual (MV-21) › Chapter 12 › Reports to DMV
Transcript
0:00Intro
Insurance, crashes and registration come with deadlines and dollar amounts the test loves to ask about. Here are five from the New York State Driver's Manual. For each one, pick your answer before I reveal it.
0:18Situation 1
A New York driver takes a DMV-approved crash prevention course. Besides reducing points, what can a DMV-approved crash prevention course save you? The answer is C: Up to 10 percent on liability and collision premiums. The course can reduce your point total by up to four and save up to 10 percent on auto liability and collision premiums. It can cut up to four points and save up to 10 percent on liability and collision premiums.
1:16Situation 2
Someone died in a crash you were involved in, but you weren't charged. You are in a crash in which someone dies, but you are not charged. Can your license still be suspended? The answer is A: Yes, after a DMV hearing. If another person is killed, your license can be suspended or revoked after a DMV hearing even if you were not charged. After a DMV hearing, your license can still be suspended or revoked.
2:16Situation 3
A driver leaves the scene of a crash where someone was hurt. In New York, leaving the scene of a crash that injured someone is what kind of violation? The answer is C: A criminal violation. Leaving the scene of a crash with property damage is a traffic violation; leaving one with injury or death is a criminal violation. In New York, that's a criminal violation. Leaving a property-damage crash is a traffic violation.
3:13Situation 4
Your car insurance is about to end, and you won't renew it. Your car insurance is about to end and you will not renew it. What should you do? The answer is A: Return the plates to a motor vehicle office before the insurance ends. Before your liability insurance expires or is discontinued, return the plates at a state or county motor vehicle office. Return the plates to a state or county motor vehicle office before the insurance ends.
4:16Situation 5
You've been in a crash in New York. When must you file a crash report with the New York DMV? The answer is B: If anyone is hurt or killed, or there is $1,000 or more in damage to one person’s property. Report any crash involving a death or injury, or $1,000 or more in damage to the property of any one person. File a report with the DMV if anyone is hurt or killed, or if there's 1,000 dollars or more in damage to any one person's property.
5:24Recap
The course can reduce your point total by up to four and save up to 10 percent on auto liability and collision premiums. If another person is killed, your license can be suspended or revoked after a DMV hearing even if you were not charged. Leaving the scene of a crash with property damage is a traffic violation; leaving one with injury or death is a criminal violation. Before your liability insurance expires or is discontinued, return the plates at a state or county motor vehicle office. Report any crash involving a death or injury, or $1,000 or more in damage to the property of any one person. Nice work. Try more insurance and collision questions in Practice by Topic, then test yourself with a full mock exam.
The rules in this lesson
- The course can reduce your point total by up to four and save up to 10 percent on auto liability and collision premiums.
- If another person is killed, your license can be suspended or revoked after a DMV hearing even if you were not charged.
- Leaving the scene of a crash with property damage is a traffic violation; leaving one with injury or death is a criminal violation.
- Before your liability insurance expires or is discontinued, return the plates at a state or county motor vehicle office.
- Report any crash involving a death or injury, or $1,000 or more in damage to the property of any one person.
Original practice lesson written from the New York State Driver's Manual (MV-21). EstatePass is not affiliated with or endorsed by the New York DMV; these are not official test questions.