What Are The Main Causes of Road Accidents in India?

The high number of road accidents is a major cause for concern for people and the government as well. While the roads are already congested due to a huge number of annual sales of vehicles, poor civic sense and lack of awareness of rules has made this menace worse.

Studies show that over 80% of the road accidents in India occur due to avoidable traffic violations like overspeeding, reckless driving, not using the proper safety gear, and driving under the influence of alcohol. The government has increased fines for these violations with the hope that it will force people to pay attention to the rules. 

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Road traffic in India is a rising concern for the government. A rapid increase in automobile production and sale has mercilessly congested Indian roads. Because of this, road safety has become the topmost priority in the country. The rising traffic situation has also increased road accident rates in India.

In fact, 80% of road accidents are due to traffic violations, and over 70% of people between the age of 18 years old and 45 years old are involved in road accidents each year. This has given rise to stricter regulations and heftier fines under the New Motor Vehicle Act, 2019. Here, we have enlisted some of the major causes of road accidents, the preventive measures, and the penalties associated.

What are the Common Causes of Road Accidents in India?

Some of the major reasons that cause road accidents in India are as follows:

  • Overspeeding

In India, the majority of road accidents occur due to overspeeding. When you drive your vehicle over the stated speed limit, it is known as overspeeding. While you can reach your destination sooner by driving faster, know that you are putting your and other people’s lives in danger.

Thus, it is recommended to drive within the speed limit to be safe. If you are in a hurry to get to a place, it is better to leave your house early and check the traffic conditions on the route before leaving.

  • Drinking and Driving

Another most common cause of road accidents in India is drinking and driving. Any person driving a motor vehicle found with more than 30 mg of alcohol in 100 ml of blood is charged for drunk driving.

So, to avoid risking your life driving under the influence, it is advised to take a cab when you drink instead of driving your own vehicle.

  • Reckless Driving

While the legal age of driving is 18 years, one should also practice safe and responsible driving. Driving carelessly without paying attention to the road and being on your phone can pose a danger to your life.

Reckless driving can lead to some severe road accidents. So, it is better to practice staying calm behind the wheels to avoid any hasty actions and unwanted accidents caused due to negligence.

  • Road Conditions

At times, road accidents can occur due to degrading road conditions as well. The state of Indian roads is not excellent. Driving on such roads can get frustrating after a while. Needless to say, the problem of potholes in India worsens every year. All these can lead to severe vehicular mishaps.

Therefore, it is wise to remain cautious when you know the road that you will be driving on is not in good condition. This will safeguard not only your life but also your precious vehicle.

  • Weather Conditions

It may so happen that even though you are a responsible driver, the weather might not play along. The roads become slippery during the rainy season and may pose a danger to owner-drivers as the tyres can lose traction on wet roads. Furthermore, the visibility of the road ahead can be compromised during foggy and rainy seasons.

So, what you can do is get the vehicle tyres changed for the rainy season. And drive your car below the stated speed limit. If the visibility is low, it is best to pull over and wait until the rain subsides.

Penalties and Fines

We understand that there is nothing much that can be done for adverse weather conditions, causing road accidents. However, other things are pretty much in our control. In an initiative to get the road accident rates in India under control, the government of India has made amendments to the Motor Vehicle Act.

As per the New MV Act, 2019, people who do not follow the traffic safety rules will have to pay hefty penalties. So, if you are seen violating some of the major reasons that cause road accidents mentioned above, you will attract the following penalties:




  • Light Motor Vehicles: ₹1000 - ₹2000

  • Medium Passenger or Goods Vehicle: ₹2000 - ₹4000 and/or seizing of driving licence in case of subsequent offences

Reckless Driving

  • ₹1000 - ₹5000 and/or imprisonment up to 6 - 12 months for the first offence

  • ₹10,000 and/or imprisonment up to 2 years for the subsequent offences

Drink and Drive

  • ₹10,000 and/or imprisonment up to 6 months for the first offence

  • ₹15,000 and/or imprisonment of up to 2 years for the subsequent offences

To Sum it Up

Now that you know what are the main causes of road accidents, you can be a responsible and cautious driver. But sometimes unfortunate incidents do take place, even when you are not at fault. Such road mishaps can cause damage to your vehicle and result in hefty repair expenses.

Thus, it is advised to opt for a comprehensive car insurance plan or bike insurance. The policy covers all the third-party liabilities and damage caused to their own vehicle as well. So, head over to Finserv MARKETS and benefit from features such as cashless claim settlements, roadside assistance, hassle-free renewals, bespoke plans to suit your needs, and more.

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