An owner parks a car in a rented garage, then knowingly reports it stolen to collect insurance money. What does this describe?
Correct answer: Intentional insurance fraud.
Knowingly inventing a theft to collect payment is fraud. Storing a vehicle does not make it stolen; insurance claims must describe what actually happened.
Source: Insurance Fraud, Auto Insurance Fraud: false theft claims; printed page 4. Official source checked September 22, 2026. ↗
A repairer offers to add damage that did not occur to your crash claim so the insurer will cover your deductible. What should you do?
Correct answer: Refuse and ensure the claim describes only the actual damage.
Adding invented damage to offset a deductible is a fraudulent claim, not a legitimate discount. The repair estimate and insurance claim should accurately describe the loss.
Source: Insurance Fraud, Auto Insurance Fraud: inflated repair costs to cover a deductible; printed page 4. Official source checked September 22, 2026. ↗
Before authorizing crash repairs, which arrangement best helps you control unexpected repair charges?
Correct answer: A written estimate listing work, parts and labor, with approval requested before exceeding it.
LDI recommends a written, itemized estimate and asking the shop to contact you before costs exceed it. Your authorization and insurer's coverage decision are separate matters.
Source: Consumer's Guide to Auto Insurance After an Accident, What should I ask the repair shop? Revised February 2025. Official source checked September 22, 2026. ↗
After immediate safety needs and required calls are handled, you can safely document a crash. Which record can help prevent later disputes about the claim?
Correct answer: Photos of the actual damage and a record of the people occupying the vehicles.
Accurate damage and occupant records can help your insurer evaluate what happened. Collect them only when safe; documentation must not delay assistance or put anyone in traffic.
Source: Chapter 6, Insurance Fraud: staged-crash precautions; printed page 99. Official source checked September 22, 2026. ↗
An uninvolved stranger at a crash scene presses you to sign up with a particular lawyer and doctor. What is the sensible response?
Correct answer: Decline the unsolicited referral and contact your own insurer through a trusted channel.
Unsolicited legal or medical referrals at a crash can be a warning sign. Use trusted contacts and seek needed emergency care; a stranger's referral is not a crash-reporting requirement.
Source: Chapter 6, Insurance Fraud: unsolicited doctor or lawyer referrals; printed page 99. Official source checked September 22, 2026. ↗
Your disabled car is safely out of traffic after a crash, and no officer is directing its removal. You have roadside assistance. How should you arrange the tow?
Correct answer: Call your roadside-assistance provider and confirm the tow and destination.
Arrange assistance through your own provider and confirm where the vehicle will go. Unexpected towing offers can expose you to fraud; follow any police or emergency directions if circumstances change.
Source: Insurance Fraud, Auto Insurance Fraud: staged-crash towing precautions; printed page 5. Official source checked September 22, 2026. ↗
You plan to hide a spare ignition key in a magnetic box attached to your parked car. What is the safer theft-prevention choice?
Correct answer: Take the keys with you and do not leave one in or on the vehicle.
A concealed key can still give a thief access to the vehicle. NHTSA advises taking the key rather than leaving it in or on the car.
Source: Reducing Motor Vehicle Theft: keys and parked-vehicle precautions. Official source checked September 22, 2026. ↗
Before leaving your car in a public parking area, which action reduces an obvious theft risk?
Correct answer: Take valuables with you and close and lock the windows and doors.
Visible valuables can attract thieves. Removing them and securing the car reduces opportunities; these precautions do not guarantee that a theft cannot occur.
Source: Reducing Motor Vehicle Theft: valuables, windows and doors. Official source checked September 22, 2026. ↗
In an ordinary private sale, the seller has a Louisiana vehicle title issued in the seller's own name. What must the seller deliver as part of transferring that title?
Correct answer: The properly endorsed and assigned certificate of title.
The seller must execute the title assignment and deliver the certificate as required by R.S. 32:705. Giving the buyer possession of the car alone does not complete the title paperwork.
Source: R.S. 32:705(A), ordinary transfer of a vehicle with an issued title. Official source checked September 22, 2026. ↗
An ordinary used-car buyer, not a dealer holding inventory, receives the vehicle's previously issued title. Under R.S. 32:707(A), when is the buyer's title application due?
Correct answer: Within five days after delivery of that previously issued title.
For a vehicle with a previously issued title, the five-day period runs from delivery of that title. If no title was previously issued, the statute uses delivery of the vehicle instead. This is not a separate tax-payment deadline.
Source: R.S. 32:707(A), previously issued title versus previously untitled vehicle. Official source checked September 22, 2026. ↗
A used vehicle is not exempt from odometer disclosure, but its title has no odometer statement on the back. What does OMV's used-title checklist require?
Correct answer: A supplemental odometer statement.
The checklist calls for a supplemental odometer statement in this nonexempt, no-statement-on-title situation. Do not assume a vehicle is exempt simply because of the title's layout.
Source: Used Title & Registration: nonexempt vehicles without an odometer statement on the title. Official source checked September 22, 2026. ↗
The selling price is already entered in the used vehicle's title assignment. Does OMV's checklist require a separate bill of sale solely to repeat that price?
Correct answer: No; the price entry removes that separate bill-of-sale requirement, not other requirements.
OMV says a separate bill of sale is not required when the price is entered on the title. The remaining applicable transfer documents are still needed.
Source: Used Title & Registration: bill of sale and price entered on the title. Official source checked September 22, 2026. ↗
You are buying a used car intended to transfer free of a lien. The seller says the loan is paid off, but the title still lists the lien. Which documentation addresses this issue under OMV's checklist?
Correct answer: A proper lien release, when applicable.
A paid-off lien still needs the proper release documentation. The seller's assurance alone does not substitute for the lien release required for this transfer.
Source: Used Title & Registration: current title and properly released lien, if applicable. Official source checked September 22, 2026. ↗
After selling a car, you submit OMV's Notice of Vehicle Transfer. Does that notice complete the buyer's application for a new title?
Correct answer: No; it flags the record, and the buyer must still apply for title.
The seller's notice alerts OMV to the transfer but does not replace the buyer's title application. These are separate steps with different purposes.
Source: Notice of Vehicle Transfer: record flag and new-owner title application. Official source checked September 22, 2026. ↗
Your vehicle ownership has not changed, but you lose its registration certificate. Which OMV service is intended to replace that document?
Correct answer: Duplicate/Replacement Registration.
OMV provides a duplicate registration process for a missing certificate. Replacing the registration document is different from transferring ownership or replacing a driver's license.
Source: Duplicate/Replacement Registrations: obtaining a replacement registration certificate. Official source checked September 22, 2026. ↗
You own two cars. May you use one car's registration certificate as the registration for the other car with different plates?
Correct answer: No; the registration certificate must correspond to the plates on that vehicle.
R.S. 47:506(B) requires the certificate to correspond to the vehicle's license plates. Common ownership does not make the two registration certificates interchangeable.
Source: R.S. 47:506(B). Official source checked September 22, 2026. ↗
The registration-renewal notice OMV sent you contains no renewal ID. What does OMV say this indicates?
Correct answer: The vehicle is not eligible for online renewal because additional information is needed.
OMV says a notice issued without a renewal ID requires additional information and is not eligible for online renewal; contact OMV. This is different from simply misplacing a notice for an otherwise eligible vehicle.
Source: Registration Renewal: notice issued without a renewal ID. Official source checked September 22, 2026. ↗
You will store your vehicle without using it on any road or highway and want to use OMV's Statement of Non-Use process. When should you file it relative to terminating liability insurance?
Correct answer: Before terminating the liability-insurance coverage.
OMV directs eligible owners to file before ending liability coverage. A non-use statement applies to a vehicle kept off roads and highways; it is not permission to drive uninsured.
Source: Statement of Non-Use: off-road non-use and filing before termination of liability coverage. Official source checked September 22, 2026. ↗
Your liability coverage was already cancelled before you filed a Statement of Non-Use. Can today's filing clear that earlier cancellation under OMV's non-use process?
Correct answer: No; the statement begins on its filing date and cannot clear a prior cancellation.
The non-use period begins when filed. OMV expressly says this process cannot clear an insurance cancellation that occurred before the statement was filed.
Source: Statement of Non-Use: effective filing date and prior cancellation. Official source checked September 22, 2026. ↗
A vehicle you are selling has a reconstructed title. When and how must that title status be disclosed to the buyer under R.S. 32:706.1(A)?
Correct answer: In a conspicuous written document before the transfer is completed.
The statute requires disclosure of the specified branded-title status in conspicuous writing before completion of the transfer. A verbal comment or disclosure after the sale is not the required disclosure.
Source: R.S. 32:706.1(A), written disclosure before completing a transfer. Official source checked September 22, 2026. ↗
