Navigating The Lights: Traffic Light Rules Every Driver Should Follow In India
Mastering road rules, especially traffic signals, is crucial for safe driving in India. Following these regulations improves road safety and impacts car insurance claims. Understanding the distinctions between comprehensive and third-party insurance is vital for making informed decisions and contributing to responsible driving practices in India.
Traffic signal regulations are pivotal in maintaining order on Indian roads, minimising accidents, and influencing car insurance rates. Here are some key rules to abide by:
Traffic Light Rule: Green signals mean to proceed, red demands a stop, and yellow warns to slow down. Violating signals can impact insurance premiums.
Car Insurance Requirement: Indian law mandates third-party online car insurance for all vehicles. Driving without insurance is illegal, and penalties can be imposed. Comprehensive coverage is advisable for adequate protection
Third-Party Car Insurance: Mandatory under Indian law, it safeguards against liabilities but doesn’t cover damages to the insured vehicle.
Comprehensive Car Insurance: Offering more extensive protection, comprehensive coverage includes damages to the insured vehicle resulting from theft, accidents, or natural disasters, in addition to third-party coverage. You can utilise a car insurance premium calculator to estimate the costs of premiums to be paid. *
Traffic Signal Violations Impact On Insurance: Traffic signal violations on your driving record may increase car insurance online premiums, particularly with comprehensive coverage. Claims for accidents resulting from signal infractions may also be rejected.
Indian Laws Governing Traffic Lights
India has specific traffic laws in place to ensure efficient and safe transportation. Violating these rules can result in fines or even imprisonment. Key traffic signal laws include:
- Stop At Red: All vehicles must come to a complete stop at a red light, waiting behind the pedestrian crosswalk or stop line until the signal turns green.
- Go On Green: Vehicles can move forward in the direction indicated by the signal when it turns green.
- Slow Down At Yellow: A yellow light signals an impending red turn. Vehicles should come to a stop if it is safe to do so.
- Use Indicators: Turn or hand signals must be used when turning left or right.
- No Honking At Signals: Honking at signals is prohibited to prevent unnecessary noise pollution.
- Stop For Pedestrians: Cars must stop at crosswalks with pedestrian signals to allow safe pedestrian crossing.
- No Blocking The Intersection: Drivers should avoid entering an intersection if traffic obstructs the other side, even when the light is green.
- Follow Speed Limit: Adherence to posted speed limits is mandatory, varying based on the location.
- Respect Traffic Police: Following traffic police directions is crucial for road safety.
- Traffic Lights Out: If lights are out or flashing yellow, treat the intersection as a 4-way stop.
- Observe No Entry Signs: Avoid driving in areas marked with no entry signs.
Opting for a zero depreciation (zero dep) add-on in car insurance provides comprehensive coverage without factoring in depreciation, ensuring that the policyholder receives full reimbursement for the insured vehicle’s damages in case of an accident. Claims are subject to terms and conditions set forth under the motor insurance policy. *
Understanding traffic signal rules and nuances in car insurance is crucial for responsible driving in India. Adhering to these guidelines helps drivers enhance road safety, avoid legal issues, and secure financial protection with appropriate insurance coverage.
*Standard T&C Apply
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