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Safety Responsibility — Texas Driver's License Practice Test

Safety ResponsibilityQuestion 1 of 19

19 questions in this topic · 19 drawn at random this round

To whom must you furnish evidence of financial responsibility?

TX Driver Handbook (DL-7)

All questions are based on the official Texas Driver Handbook (DL-7). Study the relevant section to reinforce your knowledge.

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This Texas Driver's License Safety Responsibility practice set has 19 practice questions based on the official exam materials, each with an instant explanation. You need 70% on the real Texas Driver's License knowledge test to pass.

Topic overview

This chapter covers the Texas Motor Vehicle Safety Responsibility Act, which requires every driver to be able to show financial responsibility (usually liability insurance) for harm they might cause while driving.

The most-tested concepts are the different forms of acceptable evidence of financial responsibility (an insurance policy, a surety bond, a deposit with the state, etc.), and when a driver must show this evidence (when applying for a license, registering a vehicle, or after a crash).

A common mistake is assuming insurance is the only way to satisfy the law (self-insurance and bonds are also accepted), and not realizing that failing to show proof after a crash can lead to license or registration suspension even if you weren't at fault for the crash itself.

What is "financial responsibility" and why does Texas require it?

It means being able to pay for injury or property damage you cause in a crash — usually through liability insurance — and Texas requires every driver to carry it so injured parties and damaged property can be compensated.

Is a normal insurance policy the only acceptable proof?

No — while a liability insurance policy is the most common option, the law also accepts things like a surety bond or an approved deposit of money with the state as valid evidence of financial responsibility.

When might I actually have to show this proof?

You may need to show it when applying for a license, registering a vehicle, getting a vehicle inspected, or when a police officer or another driver asks after a crash.

Written from the official Texas Driver Handbook (DL-7) — Safety Responsibility ↗· Last checked: 2026-07-10· Reviewed by the PassPrep editorial team· How we verify →

Sample questions

Three questions from the Safety Responsibility bank with the correct answer and an explanation. The practice quiz above draws 19 questions at random from the same bank.

  1. What is the purpose of the Texas Motor Vehicle Safety Responsibility Act?

    • To ensure drivers are financially responsible for harm they cause — Correct answer
    • To set vehicle speed limits
    • To collect a road-use tax
    • To require annual eye exams

    Explanation: The Act was enacted to ensure all drivers are financially responsible for the death, injury, or property damage they may cause while operating a motor vehicle.

    Handbook: Safety Responsibility — The Liability Insurance Law

  2. What must all owners and operators of motor vehicles in Texas carry?

    • At least the minimum liability insurance — Correct answer
    • Full collision coverage
    • A roadside assistance plan
    • No insurance at all

    Explanation: All owners and/or operators of motor vehicles in Texas must have at least the minimum amount of liability insurance.

    Handbook: Safety Responsibility — The Liability Insurance Law

  3. What is the minimum liability coverage for injury or death of one person in Texas?

    • $30,000 — Correct answer
    • $10,000
    • $60,000
    • $100,000

    Explanation: The minimum liability insurance for injury or death of one person is $30,000.

    Handbook: Safety Responsibility — The Liability Insurance Law