The primary concern when considering traffic infractions is their potential impact on automobile insurance premiums. A critical question many drivers have is whether failing to utilize mandated safety restraints influences their insurance rates. This analysis explores the connection between safety restraint violations and insurance costs.
Traffic safety laws, including those pertaining to mandatory restraint usage, are designed to minimize injuries and fatalities. Insurers assess risk based on a driver’s history of compliance with these laws. Historically, insurers have used driving records to predict future claims, leading to differentiated premium pricing for drivers with varying degrees of traffic violation history. The severity of the infraction and its potential correlation with increased accident risk are key factors in this assessment.
