Crashes and insurance — Maryland Permit Test
Crashes and insurance on the Maryland permit test — 6 rules, each with the reason behind it and a question on it while it is fresh.
The rules
A driver involved in a crash must stop, render reasonable assistance to the injured, and exchange name, address, registration, and insurance information.
The injured need help before anyone needs blame, and the details are what let the rest be settled without the police.
Crashes involving injury or death, or damage to an unattended vehicle or property whose owner cannot be located, must be reported to the police.
Leaving the scene of a crash (hit and run) is a criminal offense.
After a property-damage-only crash, drivers of vehicles that can be driven must move them out of the travel lanes to a safe location.
Maryland vehicles must be continuously insured with minimum liability coverage of $30,000 for bodily injury to one person, $60,000 for two or more people, and $15,000 for property damage, plus required uninsured motorist coverage.
The minimum exists so that someone you injure is not left with your bill; it is protection for them as much as for you.
Driving or maintaining registration without insurance results in fines, registration suspension, and possible license penalties.
On the test
If you are involved in a crash, you must...
stop, help the injured, and exchange details. The injured need help before anyone needs blame, and the details are what let the rest be settled without the police.
How this works
Most practice tests hand you a bank of questions and leave the manual somewhere else. This one puts them together.
You read one law and the reason behind it, then answer a question on that law while it is still fresh. Get it right and you move on; get it wrong and you have found the gap while it is cheap to fix, not on the morning of the exam.
Learning one rule at a time, and proving it immediately, is what turns a manual you skimmed into something you actually know — and it makes studying feel like getting somewhere rather than like waiting to find out.
Where these come from
Every rule here is checked against Maryland Driver's Manual, published by the Maryland Department of Transportation Motor Vehicle Administration, and against the state code itself. Last checked 2026-08-29.
- https://mva.maryland.gov/licenses-ids/prepare-drivers-license-test/knowledge-tests
- https://mva.maryland.gov/your-mva-guide/teens-new-drivers/learners-permit
- https://mva.maryland.gov/drivers/Pages/rookie-driver-general-learners.aspx
- https://mva.maryland.gov/licenses-ids/driver-education-safety/maryland-drivers-manuals
- https://mva.maryland.gov/media/148/download?inline=
- https://mva.maryland.gov/your-mva-guide/drivers-revoked-or-suspended-licenses/driving-under-influence-dui
- https://law.justia.com/codes/maryland/transportation/title-21/subtitle-8/section-21-801-1/
- https://law.justia.com/codes/maryland/transportation/title-22/subtitle-4/section-22-412-3/
- https://law.justia.com/codes/maryland/2013/article-gtr/section-21-706
- https://news.maryland.gov/msp/2023/08/24/stop-for-school-buses-what-are-the-laws-in-maryland/
- https://zerodeathsmd.gov/news/maryland-school-bus-laws-and-safety-tips/
- https://legalclarity.org/maryland-inspection-requirements-for-vehicles-what-to-know/
- https://law.justia.com/codes/maryland/transportation/title-22/subtitle-2/
- https://law.justia.com/codes/maryland/transportation/title-22/subtitle-2/section-22-206