According to data collected by the Ministry of Road Transport and Highways, more than 100,000 fatalities take place on the roads of India due to accidents every year. Though the numbers are decreasing as every year passes, the count of deaths on the roads of India are still over 1 lakh per year. This is despite the fact that the Government of India has imposed strict on-road rules and regulations. To add to the problem, a majority of the vehicle owners on the roads of India are uninsured and do not even have the basic third-party insurance policy, despite it being mandatory as per the Motor Vehicles Act, 1988.
While a good number of vehicle owners do not have a valid motor insurance policy, fewer people have life or term insurance policy to give their family financial stability if something does go wrong on the roads of India. In order to raise awareness on the need to be safe on the roads of India, we’ve listed out a few pointers that vehicle owners have to keep in mind when driving their cars.
What you should avoid doing when driving your car in India
Car owners should keep the below-listed points in mind when driving their cars on the roads of India:
Using one’s mobile phone when driving either to speak to someone, text, or to browse the internet has been one of the main reasons why accidents take place on the roads of India and globally. Using one’s mobile phone is a terrible distraction on the road and come what may should be avoided when driving.
Driving under the influence of drugs and alcohol is one of the main reasons for road accidents globally and in India. Driving under the influence of any substance alters the instinct of the driver and more often than not, leads to accidents due to negligence. While doing such a thing will land car owners a heavy penalty, they should make a conscious decision to avoid drinking under the influence of alcohol or drugs of any kind. Even if a car owner does meet with an accident, if he/she is under the influence of drugs or alcohol, the insurer will reject a claim for coverage of damages and such an act could land the car owner in jail as well.
Driving a car when tired or fatigued mentally and physically is one of the main reasons why accidents occur and this is because tiredness makes car owners make poor judgements or miscalculations on the road. If on the highway, car owners should pull over to a safe spot off the road and rest till they are ready to drive again. Driving in the city when tired should be avoided all together.
Often we hear that car owners meet with an accident when they take their eyes off the road and get distracted and try to lean over and pick up something in the car. Car owners should always keep in mind that their eyes need to be on the road at all times irrespective of what’s around them.
Not only is it not safe for kids to be on the front seat of the car, most often they prove to be a distraction to the driver of the car. For their safety and yours, they should not be kept on the front seat of the car.
Driving without a valid driving license or motor insurance policy is against the law, but too often, car owners are found on the wrong side of the law. If one does meet with an accident and does not have a driving license or a motor insurance policy, then whatever the case might be, they will be penalised for the accident. Driving without the aforementioned documents will land the car owner a heavy fine and worse, time in jail. In addition, if the car owner does not have a valid motor insurance policy, then he/she will have to bear the financial burden if damage is caused to his/her car and the vehicle of the third party. The motor insurance policy assures coverage to the third party if the car owner has a third-party insurance policy and coverage for damages caused to the vehicle of both parties and medical expenses if he/she has a comprehensive car insurance policy.
A term insurance policy ensures that your family has financial backup following your untimely death or demise. Following untimely death, a payout is made to your nominees, beneficiaries, or dependents of the policyholder in the form of a lump sum or in annuity payouts, and this will remove the financial burden that could possibly plague the rest of their lives - if you have not got one yet.
Car owners have to keep the above-mentioned points in mind when driving their car in order to be safe and for the safety of others on the road as well. Just by being precautious, car owners can avoid any trouble in the form of an accident, and will avoid a hole being dug in their pocket when they have to meet the expenses following an accident or mishap.