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Minnesota driving lesson · Traffic Laws & Vehicle Operation

Crashes, insurance, registration and phones

A 4-minute lesson from the Minnesota course. Read the rules and examples, follow the handbook page references, and check your understanding before you move on.

Read time
4 minutes
Course unit
Traffic Laws & Vehicle Operation
Checkpoint questions
6
Source pages
42, 43

If you're in a crash, the law spells out what you must do at the scene. Every vehicle on the road must also be insured and registered, and no driver may text behind the wheel.

Know the rule

It's illegal to throw, leave or dump anything from your vehicle onto roads or public or private land — including cigarettes, fireworks, snow, ice, glass, nails, cans, garbage or ashes.

Handbook p. 42 ↗

After a crash

  • Stop; pull onto the shoulder if possible and turn off the ignition
  • Protect the scene with emergency lights, flares or a flashlight
  • If anyone is injured or killed, call law enforcement or 911 right away
  • Give first aid if able and qualified; you must give reasonable assistance
  • Give your name, address, date of birth and registration number; show your license
  • If asked, give your insurer's name and address and your agent's name
Handbook p. 42 ↗
72 hours

Deadline to provide insurance information you didn't have at the crash

Handbook p. 42 ↗

Know the rule

If a crash causes only property damage, you don't need to notify law enforcement. Have a disabled vehicle towed as soon as possible, and if you damage property other than a vehicle, tell the owner.

Handbook p. 42 ↗

Know the rule

Owners must carry no-fault and liability insurance and keep proof in the vehicle at all times. Failing to show proof to an officer can lead to revocation of your license and registration.

Handbook p. 43 ↗

After revocation for no insurance you must:

  • Pass a written test
  • Pay a $30 reinstatement fee plus any court fines
  • Apply for a new driver's license
  • Submit an insurance certificate from your insurance company
Handbook p. 43 ↗

Uninsured vehicle penalties

Uninsured vehicle penalties
ConsequenceAmount
License plates and registrationMay be revoked
Driving privilegesRevoked for up to one year
Fine if convictedUp to $1,000
Jail if convictedUp to 90 days
Handbook p. 43 ↗

Know the rule

Motorcyclists must carry liability insurance covering property damage and injuries to others; no-fault and uninsured coverage are optional.

Handbook p. 43 ↗

Know the rule

Residents must register every vehicle driven on public roads with DVS within 60 days of becoming a resident, at a deputy registrar's office with the title or registration card and a license or ID.

Handbook p. 43 ↗

Know the rule

You may not use a phone or other wireless device to compose, read or send emails, texts or instant messages, or to access the internet, while driving.

Handbook p. 43 ↗

Exceptions

  • Getting emergency assistance
  • Reporting a crash or crime
  • Using voice-activated or hands-free mode
Handbook p. 43 ↗
$275

Added fine (plus the court fine) for a second or later texting conviction

Handbook p. 43 ↗

Put it into practice

You clip a mailbox while turning; no one is hurt and your car still runs. You don't have to call police for property-only damage, but you must let the mailbox's owner know.

Check your understanding

Read the question, decide on an answer, then open it to check the explanation. These are Roadwise study questions based on the source handbook.

What can happen if you fail to provide proof of insurance when a law enforcement officer asks for it?
  1. A $30 fine is the only penalty
  2. You get a warning only, with no other consequence
  3. License and registration can be revoked
  4. Your vehicle is immediately impounded

Answer: License and registration can be revoked

Failing to provide proof of insurance when asked can lead to revocation of your license and registration.

Handbook p. 43 ↗
If your driving privileges are revoked for lack of insurance, what reinstatement fee applies in addition to any court fines?
  1. $680
  2. $275
  3. $10
  4. $30

Answer: $30

An insurance-related revocation requires a $30 reinstatement fee plus any court fines or citations.

Handbook p. 43 ↗
What is the maximum jail time for a conviction of operating an uninsured vehicle?
  1. Up to 90 days
  2. Up to 10 days
  3. Up to one year
  4. No jail time is possible

Answer: Up to 90 days

Operating an uninsured vehicle can result in a fine up to $1,000 and up to 90 days in jail.

Handbook p. 43 ↗
After a crash, if you can't provide insurance information immediately, within how many hours must you provide it?
  1. 24 hours
  2. 7 days
  3. 48 hours
  4. 72 hours

Answer: 72 hours

If insurance information isn't on hand at the scene, it must be provided within 72 hours.

Handbook p. 42 ↗
After a crash resulting only in property damage, are you required to notify law enforcement?
  1. No, that's not required
  2. Yes, always required regardless of damage
  3. Only if the damage exceeds $10,000
  4. Only if a vehicle must be towed

Answer: No, that's not required

Property-damage-only crashes don't require notifying law enforcement, though other steps still apply.

Handbook p. 42 ↗
If convicted of two or more violations of texting or messaging while driving, what additional fine applies?
  1. $50
  2. $680
  3. $275
  4. $100

Answer: $275

A $275 fine applies in addition to the court-specified fine for a second or later texting-while-driving conviction.

Handbook p. 43 ↗
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