ICBC British Columbia Written Exam Practice Test 2025

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Prepare for the ICBC written driving test in British Columbia. Enhance your knowledge with flashcards and multiple-choice questions containing over 500 practice items. Stay up-to-date with the latest information from 2025. Get ready to ace your ICBC exam!

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What is the primary purpose of insurance for drivers?

To create a safety net for speeding fines
To provide financial protection against accidents and damages
To ensure vehicle repairs are free
To cover toll fees

The correct answer is: To provide financial protection against accidents and damages

Insurance for drivers is primarily designed to provide financial protection against accidents and damages. This means that if a driver is involved in an accident or mishap that results in injury to others or damage to vehicles and property, the insurance policy can help cover the costs associated with those events. This financial protection encompasses a range of scenarios, including medical expenses, vehicle repairs, property damage claims, and liability coverage for legal responsibilities. The main goal of insurance is to mitigate financial risk and provide peace of mind by ensuring that drivers are not left to bear the full burden of potentially substantial costs resulting from accidents. This foundational purpose of insurance plays a vital role in promoting responsible driving and maintaining financial stability for individuals and families involved in traffic incidents. Other options, while they may refer to benefits that could be influenced by insurance, do not encapsulate the essential protective role that insurance serves in the context of driving.