A Repeated Reality Across the Island
Traffic accidents around universities are not random events. When the same roads, the same time windows, and similar driver profiles overlap, a repeating accident pattern emerges. This pattern becomes visible only when time, location, and behavior are read together.
Across the island, most university-related accidents concentrate around campus zones. However, claim records clearly show that some corridors stand out more than others in terms of frequency and similarity.
Three routes repeatedly appear in the files:
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Salamis Road, near Eastern Mediterranean University
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Karaoğlanoğlu Road, near Girne American University
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Dikmen Road, near Near East University
On these roads, the number of claims and the nature of the damage show striking similarities.
Why These Roads Stand Out
The common characteristic of these routes is that they are not campus-only roads. They serve multiple functions at once. They connect residential areas, main arteries, side streets, commercial activity, and university access points.
When university hours begin or end, traffic volume does not rise gradually. It spikes suddenly. This sudden increase disrupts flow and creates decision pressure on drivers.
The traffic mix is also critical. Local drivers who know the road by habit, students unfamiliar with the area, service vehicles, buses, and commercial traffic all share the same space at the same time. This combination produces predictable risk.
The Nature of University-Hour Accidents
Most accidents during university hours are not caused by excessive speed. They are caused by decision moments.
Common scenarios include:
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Sudden braking and rear-end impacts
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Uncontrolled entry from side roads
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Lane changes without full awareness
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Contact with parked vehicles
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Tight maneuvering errors in congested areas
These incidents are usually low-speed but high in volume.
In insurance terms, they generate many small claims rather than a few large ones.
Road-Specific Observations
On Salamis Road, the risk increases especially in the late afternoon. The road appears wide, which encourages speed, but it contains frequent entry and exit points that are easy to underestimate.
On Karaoğlanoğlu Road, the proximity of the university to daily urban life narrows the margin for error. Pedestrian movement, parking activity, and congestion combine to increase maneuver-related claims.
On Dikmen Road, elevation changes, limited visibility in certain sections, and impatience during peak hours create a similar pattern of repeated minor collisions.
Despite geographical differences, the claim outcomes look remarkably alike.
What the Claim Files Reveal
From an insurance perspective, these accidents form clusters.
The same hours.
Similar photographs.
Comparable damage descriptions.
This is not coincidence. It is a pattern.
Most of these claims are small but time-consuming. Because the damage is minor, it often becomes open to interpretation. Questions such as “Was it pre-existing?”, “Is the scratch new?”, or “Was the vehicle already damaged?” slow the process.
As a result, these files may take longer to resolve than more severe accidents.
The Core Risk Is Not Speed
The main risk during university hours is not speed. It is reduced attention combined with routine behavior.
Drivers treat these roads as familiar. Familiarity lowers perceived risk. Lower risk perception reduces attention. Accidents occur precisely at that point.
Final Observation
University-hour accidents repeat because behavior repeats.
Same time windows.
Same traffic mix.
Same decisions.
Understanding this pattern does not prevent every accident, but it explains why certain roads and hours appear again and again in insurance records.
In insurance, what matters most is not the single accident, but where and when the same accident keeps happening. University hours are one of the clearest examples of this reality.