A conviction for failing to utilize mandated safety restraints can have repercussions beyond the immediate fine. The key question is whether such a violation influences the cost of vehicular insurance premiums. The answer varies depending on jurisdiction and the specific insurance provider’s policies.
The potential impact on insurance rates stems from how insurance companies assess risk. A driver’s history of traffic violations is a significant factor in this assessment. While some moving violations automatically lead to increased premiums, the categorization and severity of the offense are considered. Historically, the focus has been on more egregious infractions like speeding or driving under the influence. However, safety restraint violations are increasingly scrutinized as indicators of responsible driving behavior.
