India faces a significant road safety challenge, with over 1.5 lakh lives lost annually due to road accidents, often resulting from a lack of awareness among drivers. Despite historical negligence, the government has now taken steps to address the issue through the implementation of the Motor Vehicle (Amendment) Bill 2016, which significantly increases fines and penalties for traffic violations. While stringent enforcement is essential, accidents can still occur, underscoring the importance of motor insurance for protection.

Importance Of Two-Wheeler Insurance

India mandates third-party insurance for two-wheelers, and it is illegal to ride without it. However, opting for comprehensive bike insurance is advisable, providing total protection against potential mishaps. Insurance providers offer various two-wheeler insurance options, including comprehensive coverage, standalone own-damage, and standalone third-party insurance. Comparing motor insurance online is easy, and the online claim process is user-friendly. Make sure you do yourbike insurance renewal on time. Claims are subject to terms and conditions set forth under the motor insurance policy.

Understanding India’s Traffic Regulations

Adhering to traffic laws is crucial for personal security and the well-being of others. Several key traffic regulations include:

1. Operating A Vehicle While Intoxicated

Driving under the influence of drugs or alcohol is strictly prohibited. The legal limit is 30 milligrams of alcohol per 100 millilitres of blood. Violators can face fines of ₹10,000 for the first offence and ₹15,000 for subsequent violations, along with potential imprisonment.

2. Racing On The Streets

Street racing is forbidden, with fines of ₹500 for the first offence and ₹10,000 for subsequent violations. Authorities may also impose one month of imprisonment.

3. Violating Speed Restrictions

Exceeding posted speed limits can result in fines up to ₹2,000. Speeding is a significant contributor to accidents, making adherence to speed limits crucial.

4. Not Wearing A Helmet

Riding without a helmet is against traffic laws, with a fine of ₹1,000. Authorities may also suspend or cancel the licence for three months or permanently.

5. Riding Without Insurance

The Motor Vehicle Act mandates two-wheeler insurance covering third-party liability. Riding without insurance can lead to fines or licence suspension.

6. Minor Driving

Minors under 18 are prohibited from driving bikes with gears. Violations can result in fines of ₹25,000 for guardians or vehicle owners, along with possible imprisonment.

7. Overloading

Overloading passengers is illegal, and violating this law can lead to a ₹2,000 fine and a three-month licence suspension.

The purpose of traffic laws and regulations is to ensure the safety of drivers, passengers, and bystanders. It is designed to keep your vehicle safe as well. To ensure that no one is hurt or killed in a traffic accident in India, we must all abide by the laws governing driving.

Since following the fundamental rules is the best way to prevent facing severe penalties under the Motor Vehicle Act of 2019, we, as responsible citizens, should work to uphold that reputation and try to fulfil our obligations. In the same way that we study traffic laws to make sure we drive safely, we should exercise caution when selecting the type of bike insurance we purchase to prevent regrets later on. You can use abike insurance calculatorto estimate the costs of premiums.

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