Page 366 - Motor Insurance Ebook IC 72

The Insurance Times

Q 13. What are the primary factors responsible for Road
accidents? Discuss the Role of Insurers in
promoting Road Safety.

Ans. Following are the four primary factors responsible
for Road accidents:
1. The driver's fault. This is 'Human Cause' of
accidents. Drunken driving, over-speeding and other
violations of traffic law etc, are responsible for road
accidents.

2) The vehicle - This constitutes 'Physical Cause'
for road accidents and can be summarized as bad
maintenance, Overloading etc.

3) The road - This is 'Environmental Cause' and
consists of bad road conditions, inadequate lighting,
insufficient traffic signs and signals etc.

4) The pedestrian - Reckless or indifferent behavior
and disregarding road traffic rules by pedestrian
cause accidents.

Road Safety: Although the Insurers have no direct way
to play any role in road safety, indirectly they play
significant role in promoting road safety and preventing
road accidents. The following activities of General
Insurance Industry throw light on this role:

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