Buckle Up: Understanding the Impact of Seatbelt Tickets on Car Insurance Rates

May 03, 2023

Auto Insurance

Impact of Seatbelt Tickets on Car Insurance Rates

Wearing a seatbelt is one of the easiest and most effective ways to protect yourself while driving. However, despite laws requiring drivers and passengers to buckle up, many still choose not to. Not only is this risky behavior dangerous, but it can also result in a ticket and potentially impact your car insurance rates. In this blog, we'll answer some common questions about seatbelt tickets and their impact on car insurance rates.

Do Seatbelt Tickets Affect Car Insurance Rates?

Yes, seatbelt tickets can impact your car insurance rates. Insurance companies consider several factors when determining rates, including driving records and traffic violations. If you receive a seatbelt ticket, it will likely be considered a traffic violation, which can result in higher insurance rates.

How Can You Handle a Seatbelt Ticket?

If you receive a seatbelt ticket, you have a few options. You can pay the ticket, which will result in a fine and points on your driving record, potentially leading to higher insurance rates. Alternatively, you can contest the ticket in court and attempt to have it dismissed.

How Can You Resolve a Seatbelt Ticket?

If you decide to contest a seatbelt ticket, there are several ways to approach the situation. You may be able to argue that you were wearing a seatbelt but were unable to produce proof at the time of the citation. You can also argue that the ticket was issued incorrectly or that the law does not apply in your situation.

How Long Do Seatbelt Tickets Stay on Your Driving Record?

The length of time that a seatbelt ticket stays on your driving record varies by state. In some states, it may stay on your record for up to five years, while in others, it may be removed after a shorter period. It's essential to check with your state's Department of Motor Vehicles to understand how long a seatbelt ticket will stay on your driving record.

Can Passengers Be Given a Seatbelt Ticket for Not Wearing One?

Yes, passengers can be given a seatbelt ticket for not wearing a seatbelt, even if they are not driving the vehicle. This applies to all passengers, regardless of their age or position in the car.

Cover Your Car with the Best Insurance at Knight Insurance Services

At Knight Insurance Services, we understand that even the most responsible drivers can receive a traffic violation, such as a seatbelt ticket. That's why we offer affordable car insurance rates and can help you find the right coverage to protect you and your vehicle. Contact us today to learn more about the services that we have been offering for the last 100 years and get a free quote. With Knight Insurance Services, you can have peace of mind knowing that you're covered, no matter what the road brings.