Unlike the veterans who'd posted above, I'm quite the newbie when it comes to driving. Have only been driving regularly for just the past two years. Therefore, didn't have too many opportunities to rake up much fine.
I've been fined once near the infamous Sarjapur-HSR-Bellandur crossing signal, for unintentionally jumping the signal. This was ~2 years ago, one month after getting my new car.
Was on my way back towards Bellandur, returning from D-Mart Sarjapur.
For those who don't know, the signal in Sarjapur crossing is placed to the left of the driver, and not in front of them. If you haven't been through that place and you're there for the first time, you might even believe there's no traffic signal there.
It's common source of confusion among drivers, and police would be waiting on the other side to take advantage of this.
I had crossed it while it was yellow, but it had turned red by the time I'd reached the other side.
Was stopped by the traffic police on duty, who had a wide smile and started mentioning "5000 Rs. for jumping signal sir", then proceeded to demand 500 from me.
It was my first encounter with the police, and it should come as no surprise that it was dreadful. I panicked, and pulled out my wallet with trembling hands, to find only a 100 Rs. note inside.
He grabbed that and let me go.
That was the day I ordered a dashcam.
I've never been fined since then, despite having driven ~20k km since then, across 7 different states / UTs (Karnataka, Tamil Nadu, Kerala, Andhra Pradesh, Telengana, Goa, Puducherry) of southern India.
Since this thread is about learning from our own mistakes, here is what I follow:
- Before going on a long road trip, I comb through the Team BHP travelogue and route queries, to understand speed limits and possible traffic police presence throughout the trip route. Has helped me a lot on my trip to Hyderabad and Kochi.
- Am much more cautious around traffic signals.
I slow down while approaching a traffic signal, to confirm multiple times that it's not yellow. I'd rather annoy some drivers behind me than deal with the traffic police on the other side.
- While driving, I keep all my cash in the sunglass holder of the car. Makes it easy for me to say that I've no cash on me. Police cannot take bribe from me, if I've very little to no cash in my wallet.
I'm yet to have the misfortune to test this theory, but I have a feeling it might just work.
- Always keep a copy of third party insurance and PUC certificate, in my glove box and on phone (can be accessed offline, no network connection is needed).
- I frequently check for possible traffic fines. Not to jinx, but yet to have anything officially visible in mParivahan or CRED or the karnataka challan portal.
Learned from this forum that some states like Kerala send fines via physical letter to home address, but it's been close to a year since I've been there and yet to get anything in letterbox.