The ramifications of traffic violations on insurance premiums are a significant concern for drivers. While the primary purpose of mandatory seatbelt laws is to enhance safety and reduce injuries in the event of a collision, a common question arises regarding the potential impact of citations for non-compliance on insurance rates.
Insurance companies assess risk based on various factors, including driving history. Moving violations, such as speeding or reckless driving, are typically associated with an increased risk of accidents and therefore can lead to higher insurance premiums. The specific weight given to different types of violations varies depending on the insurance provider and state regulations.