The question of whether a citation for failing to use a vehicle’s safety restraint system impacts the cost of automotive coverage is a common concern among drivers. Understanding the relationship between traffic violations and insurance premiums requires considering various factors, including state laws, insurance company policies, and the driver’s overall record.
Safety restraint usage is demonstrably effective in reducing injury and fatality rates in vehicular accidents. Consequently, laws mandating their use are in place across many jurisdictions. Insurance providers are keenly interested in factors that predict risk. A driver’s history of traffic violations is often viewed as an indicator of potential future claims. The specifics of how a motor vehicle incident or infraction influences rates varies.
