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icon Car Insurance icon Causes Of Road Accidents
  • Overview
  • Factors / Causes of Accident
  • Types
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  • How to Buy
  • How to Claim
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  • Frequent Questions

Car Accident Causes

When driving, being cautious is important to prevent any mishap or an accident. To ensure safety, it is important to be responsible and take the required steps. Being aware of the causes of car accidents will help you avoid the same. Read on to know car accident causes.

Factors that can lead to Car Accidents

Weather conditions, bad roads, vehicle failure, human errors, etc. are few of the main causes of car accidents in India.

Human Mistake

Human mistakes can lead to fatal vehicle accidents.

Overspending: Different types of roads have different speed limits and crossing these limits can lead to accidents. For example, the speed limit on highways is different in comparison to driving in the interiors of the city. Not following the limit will lead to an accident.

Drink Driving: Your mental and physical health can take a toll if you are drinking and driving. A driver who is drunk can experience fear, anxiety, dizziness which can lead to an accident. Hence, driving while being intoxicated is a huge mistake.

Breaking Traffic Signals: Driving to save fuel and time by breaking signals can not only put your life in danger but that of the pedestrians too. Hence, it should be completely avoided.

Distraction: When driving a vehicle, avoid multitasking. Activities like using a mobile phone, talking continuously to your co-passenger can increase the chances of vehicle accident.

Bad Road Conditions

Road conditions in India are not in best conditions and hence it is best to stay alert when driving.

Potholes: If you don’t notice the potholes on time and adjust your speed accordingly then it can lead to minor or major vehicle accidents. When driving over potholes cars having low ground clearance can easily get damaged. Moreover, potholes can also damage the wheels and tyres of your car.

Damaged Road Surface: If you don’t pay attention when driving bad road patches or long stretches can lead to an accident.

Errored Speed Breakers: Badly constructed, errored speed breakers can be life threatening and damaging to your car as well.

Bad Weather Conditions

Driving in bad weather conditions must be avoided at all times. Hence, it is necessary that you be extremely cautious when driving.

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Types of Car Insurance

third party car insurance

Third Party

This type of car insurance provides coverage to third party life and property and does not cover the insured vehicle

comprehensive car insurance

Comprehensive

This type of car insurance provides coverage to your vehicle as well as third party and property

standalone own damage car insurance

Standalone / Own Damage

This type of insurance provides coverage for your car’s damages and losses including events caused due to man made, natural calamities, and theft.

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Boost the Protection of your Car with these Add-ons

subtitle
No Claim Bonus

No Claim Bonus

No claim bonus is retained despite making multiple claims in one policy year.
Zero Depreciation

Zero Depreciation

Depreciation on parts made up of glass, plastic, rubber, nylon, etc. is is not taken into consideration at the time of claim.
Roadside Assistance

Roadside Assistance

Also known as breakdown cover, roadside assistance cover provides you with assistance like towing service, minor repair, spare key arrangements, etc.
Personal Accident Cover

Personal Accident Cover

This type of cover provides compensation up to Rs. 15 lakh in case the owner-driver dies, becomes disable or is injured due to an accident.
Engine Protection Cover

Engine Protection Cover

Provides coverage in case of loss or damages caused to the engine due to issues such as water ingression, oil spill, etc.
Daily Allowance Cover

Daily Allowance Cover

In case the insured’s car is damaged and is being repaired at a garage, then this type of cover provides travel allowance to take care of day to day expenses
Consumable Cover

Consumable Cover

A regular car insurance policy does not provide coverage for cost of consumables such as oil, nuts and bolts, lubricants, etc. But with this type of add-on such costs are covered.
Accessories Cover

Accessories Cover

With this add-on, you get coverage for car accessories such as vacuum cleaner, anti-theft device, battery charger, fire extinguisher, etc.
Passenger Cover

Passenger Cover

In case if the passengers traveling in the car get injured then this cover provides coverage for cost of hospitalization, ambulance charges, etc.
Invoice Cover

Invoice Cover

In the event of total loss, constructive loss or theft of the car, return to invoice cover provides the car owner up to the amount mentioned in the invoice.
Key Replacement Cover

Key Replacement Cover

This add on provides coverage for expenses arising from replacing the keys of the insured car.
Loss of Personal Belonging

Loss of Personal Belongings

With Loss of personal belongings Cover, your insurer will pay for any type of damages or losses to most of your personal belongings kept in the car.
Paid Driver Cover

Paid Driver Cover

Paid Driver Cover is quite helpful when you have an employed driver as it pays for any injuries caused to your driver in case of an accident.
Tyre Damage Cover

Tyre Damage Cover

Tyre Damage Cover comes in handy and provides a great deal of assistance in case of a flat tire while you are traveling.
RIM Damage Cover

RIM Damage Cover

Any warping or damages caused to rim is covered when you have purchased the Rim Damage Cover Add-on.
Voluntary Deductible

Voluntary Deductible

A Voluntary Deductible refers to a precise portion of the claim money that the policyholder agrees to pay out of his own pocket. This makes premium cheaper.

What's Covered under Car Insurance?

Accidents
Accidents
Accidents are uncertain. In case of damages caused to car due to an accident, don’t panic as with car insurance you are covered
Theft
Theft
In case of theft of the vehicle, coverage is offered up to the insured declared value mentioned in the policy
Natural and man-made calamities
Natural and Man-made Calamities
Your car is protected against man-made and natural calamities like fire, earthquake, landslide, vandalism, terrorist attack, etc.
Personal Accident
Personal Accident
Provides coverage up to Rs. 15 lakh in case of death or disability caused to the owner-driver due to an accident.
Third party liability
Third Party Liability
Get protection against death, disability or injury caused to the third party due to your car
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What's Not Covered under Car Insurance?

Electrical breakdown
Mechanical breakdown
Normal wear and tear
Driving without valid driving license
Consequential loss of car
Driving under influence of drugs/alcohol
Using car for illegal purpose
Commercial use of private car
Depreciation of car parts
Damages due to contributory negligence
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How to Buy / Renew Car Insurance Online at Coverfox?

  • 1 Enter Car Details
    Enter Car Details
    Fill in your Car registration number and other basic details
  • 2 Compare & Select Right Plan
    Compare & Select Right Plan
    Go through the shortlisted plans, their premiums and choose the best plan
  • 3 Add Additional Covers
    Add Additional Covers
    Increase the protection by attaching add-ons like Zero Dep. Engine Protection, etc.
  • 4 Make Online Payment
    Make Online Payment
    Pay premium online through a secure gateway from your credit/debit card, internet banking, wallet, etc.

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How to Claim Car Insurance?

  • Contact the insurance company within 48 hours of the accident or theft
  • File an FIR in case of third party damage or theft of the bike
  • Submit the required documents
  • The insurance company will appoint a surveyor to check on the extent of damages
  • The car will be sent to the garage for repair
  • Cashless service will be provided in case the car is being repaired at a network garage
  • In case of theft, insured declared value will be given to the policyholder after the police shares non traceable report
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Car Manufacturers in India

Here are some quick links to find out more about car insurance in detail
Ashok Leyland Car Insurance
Aston Martin Car Insurance
Audi Car Insurance
Austin Car Insurance
Bentley Car Insurance
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View More +

Frequently Asked Questions

  • What are the 7 causes of accident?

    • The top 7 causes of car accidents include overspeeding, drunk driving, distraction when driving, red light jumping, avoiding wearing safety gears, overtaking, etc.

  • What are the 4 most common causes of accidents?

    • The four most common causes of accidents are overspeeding, drunk driving, red light

  • What is the most common cause of vehicle accidents?

    • Most common causes of vehicle accidents include distraction caused to the driver, overtaking, overspeeding, etc.

  • What are 10 causes of accidents?

    • The 10 causes of accidents include:

      • Tailgating
      • Wrong way driving
      • Running stop signs
      • Taking improper turn
      • Driving under influence of alcohol
      • Overspeeding
      • Reckless driving
      • Rain
      • Potholes
      • Fog
Show more
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