There was a time when kids rode on the floor hump in the back seat of the car. Piled into the back of the station wagon or sitting in the open pickup truck, hanging onto the sides for dear life was the norm. The world was not in such a hurry back when driving was a leisure activity. Today, high-speed interstates transport thousand of drivers’ texting, eating and performing other distracting behaviors. Wearing a seatbelt guarantees driver protection, a lifesaver for young and old alike.

Even minor fender benders can cause prolonged head and neck injuries as well as spinal misalignments and muscle strain. Most states, however, require all drivers and passengers to wear seatbelts to avoid such liabilities. With the national average of seatbelt wearers at 83%, according to Insurance @ Suite 101, car insurance rates have little effect on adherence to state law on seatbelt use. However, car insurance companies pay attention to seatbelt infractions because it shows apathy for the law, as well as a huge liability to an insurer, when an unbelted driver or passenger is injured. Every state in the U.S., except New Hampshire requires drivers to wear a seatbelt.

Tickets for seatbelt violations are moving violations in many states. Moving violations place points on driving records similar to speeding and traffic violations. Car insurance companies offer good faith policies to consumers with the understanding that drivers obey speed limits, state laws and drive safely. Many car insurers offer incentives for safe driving records, lower premiums for older drivers and policy reductions for consistent driver safety. However, based on the national statistic, 17% of drivers disregard the law driving without seatbelts.

Car insurance companies compiled injury data on non-seatbelt related accidents. Serious personal injury occurs to drivers and passengers without seatbelts. Reckless, unbelted, drivers pay a stiff penalty in moving violations and car insurance premiums. Insurance notes drivers can save up to $400 dollars in premium costs just for buckling up. Many drivers do not realize that passengers too, must buckle up. A driver can receive a moving violation infraction when grandmother does not wear her seatbelt in the back seat on the drive to church.

Sash and lap combination belts save lives. Avoid tucking the sash under the arm. Instead, raise or lower the upper attachment on the auto wall to increase belt comfort. When worn correctly, seatbelts, airbags and automobile construction can reduce the crumple zone, area in which impact during an accident can injure drivers and passengers.


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