Your auto insurance lapses, and you keep driving the vehicle uninsured. What can happen to your driving privilege?
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A.
You can lose it, but only after too many traffic convictions accumulate on your record.
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B.
You can lose it for driving uninsured alone, with no collision or conviction required. Correct
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C.
You can lose it, but only if you cause a collision while driving uninsured.
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D.
You can lose it, but only if you also fail to pay a court fine.
The answer is "You can lose it for driving uninsured alone, with no collision or conviction required."
The Oregon manual's Loss of Driving Privileges list names driving uninsured as a standalone reason you can lose your driving privilege. No collision, conviction count, or unpaid fine has to come first; the lapse plus continued driving is enough on its own. The other bullets on that list (failing to report a vehicle collision, too many traffic convictions, failure to comply with court fines) are separate reasons, not conditions attached to the insurance rule. The trap is choice C: drivers who picture auto insurance as post-crash paperwork assume a quiet lapse stays harmless until an accident forces the topic, so they overlook that the lapse itself is what costs the license.
The traps in the wrong answers
A. You can lose it, but only after too many traffic convictions accumulate on your record.
Too many traffic convictions (Driver Improvement Program) is its own bullet on the manual's list; driving uninsured is listed separately and does not require an accumulation of convictions. Drivers who picture license loss as a slow buildup of tickets and points read the uninsured lapse as too small to trigger action on its own. This answer assumes the Driver Improvement Program's accumulation model governs every reason on the list, so driving uninsured must first show up as a conviction record to count.
C. You can lose it, but only if you cause a collision while driving uninsured.
The manual lists driving uninsured as its own reason for losing your driving privilege; no collision needs to happen first. Drivers who treat insurance as post-crash paperwork rather than a licensing precondition read the rule as something that only activates once an accident forces a report. This answer reads the standalone 'Driving uninsured' bullet as a subclause of 'Failing to report a vehicle collision,' so insurance only matters at the moment of a crash.
D. You can lose it, but only if you also fail to pay a court fine.
Failure to comply with court fines is a separate reason on the manual's list, not a condition attached to driving uninsured. Drivers who assume license loss usually begins with court trouble read an unpaid fine as the real trigger and treat the insurance lapse as background. This answer reads the 'Failure to comply with court fines' bullet as a required co-condition of the standalone 'Driving uninsured' bullet rather than an independent reason.
This question tests your knowledge of Insurance & Financial Responsibility in Oregon. Source: Oregon Driver Manual, "Loss of Driving Privileges," p.95..
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