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Small violations with a big impact on car insurance costs

By Melissa Neiman Posted : 07/28/2011


Car insurance seat beltSmall violations with a big impact on car insurance costs

Wearing a seat belt reduces your risk of death or serious injury in a crash by about 50 percent, according to the Centers for Disease Control and Prevention. Yet, countless drivers ignore the risk and continue to travel without proper safety restraints in place.

Every state except New Hampshire requires people 18 and older to wear seat belts, and all states require children to be belted in or secured with a child restraint system, according to the National Highway Traffic Safety Administration (NHTSA). There are exceptions to these laws and punishments vary from state to state.

In New Mexico and the District of Columbia, you'll be dinged for a couple of points on your driving record if you're caught not buckling up. States such as New York do not punish adults with points if they fail to buckle up themselves. However, they can end up with three points on their record if they are driving with a passenger under age 16 who is not properly restrained by a seat belt or child safety seat.

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