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 if you cause a collision while driving uninsured.
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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 also fail to pay a court fine.
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D.
You can lose it, but only after too many traffic convictions accumulate on your record.
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. Each wrong answer folds driving uninsured into one of those neighboring bullets. Read the list literally: every item stands on its own.
The traps in the wrong answers
A. 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. Misreading: Folds the standalone "Driving uninsured" bullet into the separate "Failing to report a vehicle collision" bullet, treating insurance as mattering only after a crash.
C. 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. Misreading: Treats the separate "Failure to comply with court fines" bullet as a required co-condition, when the manual lists driving uninsured as a standalone reason.
D. 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. Misreading: Merges driving uninsured into the separate "Too many traffic convictions (Driver Improvement Program)" bullet, requiring a conviction record the manual does not require.
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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