North Carolina video lessons · Lesson 9 of 10
North Carolina 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
- 0:18After a highway crash with no injuries, if the cars can be driven safely, what should you do?
- 1:20How many driver license points does a no-liability-insurance conviction carry?
- 2:07What minimum liability insurance applies to a commercial motor vehicle in North Carolina?
- 2:58You are involved in a crash in North Carolina. Must you stop?
- 3:53Who may use a certificate of self-insurance in North Carolina?
- 4:53Recap
In short
If there are no injuries or fatalities, each vehicle should be moved out of the travel lane onto the shoulder if it can be driven safely. No liability insurance carries 3 points (4 in a commercial motor vehicle). The minimum for a commercial motor vehicle is $750,000.
The five situations
Pick an answer first, the way the video pauses for you. Each one cites the North Carolina Driver Handbook.
Situation 1
After a highway crash with no injuries, if the cars can be driven safely, what should you do?
Answer: A. Move them out of the travel lane onto the shoulder. If there are no injuries or fatalities, each vehicle should be moved out of the travel lane onto the shoulder if it can be driven safely.
North Carolina Driver Handbook › Chapter 4 › Crashes
Situation 2
How many driver license points does a no-liability-insurance conviction carry?
Answer: C. 3 points. No liability insurance carries 3 points (4 in a commercial motor vehicle).
North Carolina Driver Handbook › Chapter 3 › Driver License Points
Situation 3
What minimum liability insurance applies to a commercial motor vehicle in North Carolina?
Answer: A. $750,000. The minimum for a commercial motor vehicle is $750,000.
North Carolina Driver Handbook › Chapter 7 › Insurance and Financial Responsibility
Situation 4
You are involved in a crash in North Carolina. Must you stop?
Answer: B. Yes, immediately; not stopping violates the law. You must stop the vehicle immediately. If you do not stop, you have violated the law.
North Carolina Driver Handbook › Chapter 4 › Crashes
Situation 5
Who may use a certificate of self-insurance in North Carolina?
Answer: A. Owners of fleets of 25 or more vehicles. Coverage can be a policy, cash or bond with the State Treasurer, or self-insurance for fleets of 25 or more vehicles.
North Carolina Driver Handbook › Chapter 7 › Insurance and Financial Responsibility
Transcript
0:00Intro
Insurance, crashes and registration come with deadlines and dollar amounts the test loves to ask about. Here are five from the North Carolina Driver Handbook. For each one, pick your answer before I reveal it.
0:18Situation 1
You've had a minor crash on the highway. Nobody is hurt, and both cars still run. After a highway crash with no injuries, if the cars can be driven safely, what should you do? The answer is A: Move them out of the travel lane onto the shoulder. If there are no injuries or fatalities, each vehicle should be moved out of the travel lane onto the shoulder if it can be driven safely. If they can be driven safely, move each vehicle out of the travel lane onto the shoulder.
1:20Situation 2
A North Carolina driver is convicted of having no liability insurance. How many driver license points does a no-liability-insurance conviction carry? The answer is C: 3 points. No liability insurance carries 3 points (4 in a commercial motor vehicle). That carries 3 driver license points, or 4 in a commercial motor vehicle.
2:07Situation 3
A business is insuring a commercial motor vehicle in North Carolina. What minimum liability insurance applies to a commercial motor vehicle in North Carolina? The answer is A: $750,000. The minimum for a commercial motor vehicle is $750,000. The minimum liability insurance is 750,000 dollars.
2:58Situation 4
You're involved in a crash in North Carolina. You are involved in a crash in North Carolina. Must you stop? The answer is B: Yes, immediately; not stopping violates the law. You must stop the vehicle immediately. If you do not stop, you have violated the law. Stop your vehicle immediately. Not stopping violates the law.
3:53Situation 5
A company runs a large fleet of vehicles. Who may use a certificate of self-insurance in North Carolina? The answer is A: Owners of fleets of 25 or more vehicles. Coverage can be a policy, cash or bond with the State Treasurer, or self-insurance for fleets of 25 or more vehicles. Coverage can be a policy, cash or a bond with the State Treasurer, or self-insurance for fleets of 25 or more vehicles.
4:53Recap
If there are no injuries or fatalities, each vehicle should be moved out of the travel lane onto the shoulder if it can be driven safely. No liability insurance carries 3 points (4 in a commercial motor vehicle). The minimum for a commercial motor vehicle is $750,000. You must stop the vehicle immediately. Coverage can be a policy, cash or bond with the State Treasurer, or self-insurance for fleets of 25 or more vehicles. 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
- If there are no injuries or fatalities, each vehicle should be moved out of the travel lane onto the shoulder if it can be driven safely.
- No liability insurance carries 3 points (4 in a commercial motor vehicle).
- The minimum for a commercial motor vehicle is $750,000.
- You must stop the vehicle immediately.
- Coverage can be a policy, cash or bond with the State Treasurer, or self-insurance for fleets of 25 or more vehicles.
Original practice lesson written from the North Carolina Driver Handbook. EstatePass is not affiliated with or endorsed by the North Carolina NCDMV; these are not official test questions.