(CNNMoney.com) -- One in five licensed drivers -- some 38 million Americans -- lack the knowledge necessary to pass a written driving test, and even more are distracted while driving, according to a survey released Thursday. The annual GMAC Insurance National Drivers test polled 5,202 licensed drivers from 50 states and the District of Columbia with a 20-question test derived from state department of motor vehicles exams. A passing grade was 70% or better. The survey also asked about distracting habits such as texting while driving. 
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