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| Track violations |
| | April 7, 2004 | |
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The Idea |
Track habitual traffic violators using automated enforcement measures through computerization. Share the database with vehicle insurance companies for a fee to deter traffic violations. |
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The Rationale |
Vehicle insurance companies would welcome data on risk profile of drivers. If repeat offenders are tracked through a computerized system, this data can be made available to insurance companies. The likelihood of higher premiums for risky driving is expected to have drivers conform to good driving behaviour. |
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An Approach |
 | The Regional Transport Office (RTO) database of vehicles registered in the city needs to be computerized
|  | Every time there is a traffic violation, the recording of the incident goes to a central enforcement centre.
|  | Going forward digital recording where possible will strengthen the case against the driver – in the long run this activity could be privatised
|  | The automated enforcement centre enters the data. A print out of the offence is mailed out to the vehicle owner. In case of multiple offences (to be decided), the RTO can be informed in case the driver license is to be cancelled.
|  | The database is updated with all the reported offences.
|  | A consortium of all the leading vehicle insurers need to agree on a penalty fee for violators
|  | Whenever a vehicle is up to annual insurance, the insurance firm could seek the traffic record from the enforcement centre for a fee (eg. Rs. 100 per violating case: Rs. 10 for general enquiry)
|  | If violator, the insurance premium should be at higher levels |
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Potential Partnerships |
Vehicle insurance firms, Traffic police and RTO |
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The Benefits |
 | In cases where the offender is not the owner but the driver, likelihood of the driver being admonished for the offences since it has a penalty implication for the owner through higher premiums
|  | Drivers will be more careful about their driving habits
|  | Better traffic discipline in the city |
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