If you are required to have increased insurance coverage limits but are unable to provide proof of the increased limits, you will:
- Have your license and plates suspended for up to three years. ✓
- Only be allowed to drive on residential roads.
- Be let off with a warning.
- Face no negative consequences.
Answer: A. Have your license and plates suspended for up to three years.
You will have your driver license and/or license plates suspended for up to three years.
Why this is the answer
The handbook says drivers with certain records or violations must carry increased coverage beyond the basic PIP and PDL requirements. If you are required to show proof of those higher limits and you cannot, your driver license and/or license plates will be suspended for up to three years. That is the stated consequence, so the correct choice is suspension of your license and plates for up to three years.
Why the other answers are wrong
- B. Only be allowed to drive on residential roads. — There is no rule in the handbook that limits a driver to residential roads when proof of higher coverage is missing.
- C. Be let off with a warning. — The handbook states suspension, not a warning, when proof of the required higher coverage is not provided.
- D. Face no negative consequences. — Missing proof of required higher coverage does lead to a stated penalty: suspension of your license and/or plates for up to three years.
Remember it
Remember it as proof or plates: if the higher-coverage proof is missing, a suspension of up to three years applies to your license and/or plates.