5 DOLLAR TRAFFIC SCHOOL 57
CERTIFICATION TEST PAPER 2026 COMPLETE
SOLUTIONS GRADED A PLUS
◉ What is a seat belt pretensioner?
Answer: Pretensioners automatically tighten the belt to prevent the
individual from jerking forward in a collision or at a sudden stop.
You no longer have to pull the adjustable strap to fit your body.
◉ Why do traffic laws exist?
Answer: Traffic laws reduce chaos, keep traffic moving and give all
road users a common understanding of how the road should be
used. Most importantly, though, their primary purpose is to keep
everyone safe.
◉ The reason we have traffic laws is ______.
Answer: to keep everyone safe.
◉ How does minimum insurance work?
Answer: This type of insurance pays for the damages done to
another person's vehicle or body and only for the amount of the
coverage. In other words, if you are at fault for a crash and only have
a $15,000 liability policy, your insurance will only pay for $15,000 of
, the damages done to the other person and their car. Anything more
than the $15,000 is your responsibility. Your own medical expenses
and car repairs are your own responsibility too.
◉ What is the average cost for a severe injury in a collision?
Answer: $247,000
◉ Why should you be afraid of legal problems after a collision that
was your fault even if you have insurance?
Answer: Even if you have insurance, the other driver can sue you for
negligence and win.
If someone dies because of the collision, the victim's family can sue
you for wrongful death
The cost of a collision can be more than the insurance coverage
(especially minimum insurance)
◉ What does the US Department of Transportation list as the most
likely cause of collisions?
Answer: alcohol and drugs (most common), distracted driving,
sleepy drivers, speeding (primary factor in 29% of fatal and injury
collisions - reported by the CHP)
◉ What is the purpose of the DMV point system?
CERTIFICATION TEST PAPER 2026 COMPLETE
SOLUTIONS GRADED A PLUS
◉ What is a seat belt pretensioner?
Answer: Pretensioners automatically tighten the belt to prevent the
individual from jerking forward in a collision or at a sudden stop.
You no longer have to pull the adjustable strap to fit your body.
◉ Why do traffic laws exist?
Answer: Traffic laws reduce chaos, keep traffic moving and give all
road users a common understanding of how the road should be
used. Most importantly, though, their primary purpose is to keep
everyone safe.
◉ The reason we have traffic laws is ______.
Answer: to keep everyone safe.
◉ How does minimum insurance work?
Answer: This type of insurance pays for the damages done to
another person's vehicle or body and only for the amount of the
coverage. In other words, if you are at fault for a crash and only have
a $15,000 liability policy, your insurance will only pay for $15,000 of
, the damages done to the other person and their car. Anything more
than the $15,000 is your responsibility. Your own medical expenses
and car repairs are your own responsibility too.
◉ What is the average cost for a severe injury in a collision?
Answer: $247,000
◉ Why should you be afraid of legal problems after a collision that
was your fault even if you have insurance?
Answer: Even if you have insurance, the other driver can sue you for
negligence and win.
If someone dies because of the collision, the victim's family can sue
you for wrongful death
The cost of a collision can be more than the insurance coverage
(especially minimum insurance)
◉ What does the US Department of Transportation list as the most
likely cause of collisions?
Answer: alcohol and drugs (most common), distracted driving,
sleepy drivers, speeding (primary factor in 29% of fatal and injury
collisions - reported by the CHP)
◉ What is the purpose of the DMV point system?
