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Traffic violation fines have been hiked by a Rajya Sabha ruling last month. However, this would also result in a lower insurance premium. The reason being the government is also coming out with a new rule to link vehicle insurance premiums with the traffic violations.
Hence, it is crucial to understand the new rules, associated penalties and how to avoid them going forward.
Fewer accidents: This is the most important rule to determine how much you shell out as premium to the auto insurance company. The more careful you are on Indian roads, the lower will be your premium.
Driving without a license: Driving without a license earlier attracted a penalty of Rs500. Today, the same offence attracts 10 times the fine. Driving without a license will become a red mark on your insurance application and will attract a greater premium.
Not Wearing Helmet: Not wearing helmet used to attract a fine of Rs100. The fine now is Rs1000 for the same and it can also lead to revocation of license. This is one more aspect that will attract a higher insurance premium.
Driving Under the Influence of Alcohol or Intoxicating Substance: Any person who drives their vehicle having consumed more than 30mg of alcohol can attract a fine of Rs10,000 along with an imprisonment of 6 months. The earlier fine for this offence was Rs2000. Not only has the fine been increased 5 times but an imprisonment clause has also been added. A repeat offence of drunk driving can punish you with a fine of Rs15,000 and whopping 2-year imprisonment. Such a case will surely raise the insurance salesman's eyebrows and can land you a hefty premium.
Driving uninsured vehicles: Any person who drives their vehicle needs basic insurance. This has become a de facto requirement along with your driving license and permanent address proof like Aadhar. Any person found without auto insurance is sure to attract the eyes of the local traffic cop with a massive fine. The fine for uninsured vehicles has been increased from Rs1000/month and/or imprisonment up to 3 months to Rs2000 and/or imprisonment of up to 3 months for the first-time offence and Rs4000 and/or imprisonment of up to 3 months for the second time offence. The massive fines along with a heavy premium.
Offence by Juveniles: Offense by Juveniles can also be a point for insurance companies you (the under 18-year-old) a hefty premium. While earlier there was no punishment for this type of offence, now there is a punishing Rs25000 along with 3-month imprisonment.
A vehicle without a permit: Travelling in another state or territory without a permit, earlier attracted a fine of Rs5000 and nothing more. Now the offense attracts an Rs. 10,000 fine and an imprisonment sentence of 6 months.
Racing and speeding: In an effort to curb deaths owing to racing and speeding, the government has imposed a fine of Rs5000 and/or imprisonment of up to 3 months. A second-time offence would attract a fine of Rs10,000 and imprisonment up to 6 months. This is in stark contrast to the fine imposed earlier which was a mere Rs500.
There are other things that one can vigilantly follow. Like always wear a seatbelt, use helmets when riding a motorcycle or scooter and ensure the pillion rider wears a helmet too. If you are on a 4-wheeler, make sure your seat belts are strapped.
These are some of the traffic violations that can hurt your wallet.
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