Seatbelts for Better Auto Insurance Experience

According to The National Institutes of Health (NIH),

The use of seat-belts has been shown to reduce the probability of being killed by 40-50% for drivers and front seat passengers and by about 25% for passengers in rear seats.14 Limb injuries accounted for most non-fatal injuries in this study, while fatalities resulted more from head and multiple injuries.

Seat belts are made to determine whether you get a ticket or not. Do you agree on that? I hope the answer is "NO". Seat belts are to ensure safe drive. Not wearing a seat belt can potentially affect your insurance also, Whether you get a ticket and how your state and insurance company classify the infraction will determine how much your auto insurance will cost for not wearing a seat belt. There may be a premium increase if your state considers failing to wear a seat belt to be a moving infraction, much like receiving a speeding ticket. Moving offences are taken into account by several insurers when determining rates.

However, if your state views seat belt infractions as non-moving infractions (like parking penalties), you might not see a big difference in your insurance premium. It's important to know the laws in your state and to inquire with your insurance provider about how seat belt infractions may affect your premiums.

In many cases

If you receive a ticket for not wearing a seat belt, it is generally considered a violation. The effect on your auto insurance can be similar to other moving violations, such as speeding tickets, as insurers often consider your driving record when determining premiums.

Moving Violation

In states where not wearing a seat belt is categorized as a moving violation, it is likely to be factored into your driving record. Auto Insurance companies may view this as an increased risk, potentially leading to higher premiums.

Non-Moving Violation

Some states treat seat belt infractions as non-moving violations, similar to parking tickets. In such cases, the impact on your auto insurance may be less significant, and you might not experience a rate increase.

It's important to be aware of the specific laws and regulations regarding seat belt usage in your state, as they can vary. Additionally, your auto insurance provider's policies and practices may differ, so it's advisable to check with them directly to understand how not wearing a seat belt might impact your premiums.