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There may be an instance where a rider ends up breaking traffic rules and regulations such as driving a vehicle without an insurance policy.
With due consideration, the Ministry of Road Transport and Highways introduced the Motor Vehicle Act in the year 1988 which further got amended in 2019 in order to improve safety on Indian roads. The amendments are done on the following grounds as mentioned below:
It is illegal to drive a vehicle without motor insurance as per Motor Vehicle Act. In case a person is found driving a vehicle without it he/she might face the following repercussions:
Initially, the penalty for driving without having vehicle insurance was 1000/- rupees but later due to some amendments in the Motor Vehicle Act, it got increased. The table below illustrates the challan rates in different states fined for violating any kind of traffic rules:
Name of the State |
Traffic Fine in Rupees |
Uttarakhand |
1000-4000 |
Haryana |
2000-4000 |
Bihar |
2000-4000 |
Assam |
2000-4000 |
Delhi |
2000-4000 |
Punjab |
2000-4000 |
Uttar Pradesh |
2000-4000 |
Karnataka |
1000-4000 |
Tripura |
2000-4000 |
Punjab |
2000-4000 |
Telangana |
2000-4000 |
West Bengal |
2000-4000 |
Madhya Pradesh |
2000-4000 |
Chattisgarh |
2000-4000 |
Gujarat |
2000-4000 |
Odisha |
2000-4000 |
Tamil Nadu |
2000-4000 |
Andhra Pradesh |
2000-4000 |
It’s an utmost requirement of a person to act responsibly and follow rules and guidelines while driving on the road as set up by the Motor Vehicle Act. Below are some tips to avoid traffic violence fines:
Driving and breaking down all the rules certainly thrills but can even kill. So it becomes quintessential to carry vehicle insurance for every owner-driver in India. Being a responsible driver it’s also important to drive within the speed limit maintaining the traffic rules.
The premium amount for any vehicle insurance is decided based on the IDV or the insured declared value. This premium amount gets increased on increasing the IDV and reduces on lowering it. So, it is crucial for all policyholders to compare all types of vehicle insurance options before buying a new policy or renewing the car insurance.
Ans: Yes, not giving way to emergency assist vehicles can charge the rider a fine of the desired amount.
Ans: One must be responsible to keep all the relevant documents such as license papers, insurance papers etc. while driving any vehicle to avoid any penalty or fine.
Ans: IDV is referred as Insured Declared Value which is directly proportional to the Premium amount. It gets increases on increasing the IDV while gets reduced on decreasing the IDV