seat belt ticket effect insurance rates

Hey guys, i got a seatbelt ticket this morning. one of my friends told me that my insurance premiums could go up, because insurance companies veiw seat belt tickets as drivers risking their lives, and therefore this would make me more of a liability...
im in florida. im pretty sure this is a non-moving violation (like a parking ticket).
ive heard other things like if it was a city cop im in the clear, but if its a sherriff or hwy patrol/ state trooper im fucked...
should i take a driver safety course or something? (theres no points on the seat belt ticket)
i heard some counties/states have seatbelt safety courses...
fuck winter, i hate cages, i fucking need to go for a ride! im going :crazy: lol

 

A lot of ins. companies allow you to take the ins. reduction courses online at your own pace now. Usual cost is around 50 bucks for 3 years of reduced rates (for me over three years it'll save me a few hundred between the cars / bike. So it was more than worth it. And again I took it on my own time, so that was a huge plus. Just check with your ins. company see what they allow. I suggest doing this even if you don't have any tickets / violations / claims / etc. It doesn't hurt to save some cash that you can turn around and spend on your bike

 

I was recently in court for a speeding ticket (in Tennessee) and while the judge was explaining how the different offenses are dealt with he said,"seatbelt violations are simply a fine and do not go on your driving record." Thats Tennessee...hopefully Florida is the same. Goodluck.

 

thats a scary thought

 

From what I know of the industry, 1 mistake follows you for at least 3 years after this year. I.e. ticket in 2010 goes on your record in 2011 and stays there until 2013. And each ticket counts doifferently as far as moving violation vs. parking ticket vs. accident, etc, etc. So, if they give you a discount, take all you can because one screw-up costs you for at least 3 years.

Always ask for "Deferred Adjudication" or whatver your state has to assure the ticket never makes it to your motor vehicle record (Called MVR in the industry). Take DDC any time its offered and make sure a copy of the completion is on record at your vehicle insurance provider to get that 10% discount. take the MSF course and make sure your MC insurer knows of it.

Larry

 

Or wear your seatbelt. I mean, everyone here subscribes to ATGATT!

 

Insurance companies generally do whatever they can to raise rates and reduce services. You know, kind of like the city, county, state and federal governments...

I realize that my baby rant offers no help or assistance of any kind, so I apologize for that. I'm always pissy after I pay my property taxes.

 

well i got the ticket so thats over with. im just wondering if i can do anything about it now, to insure my rates dont go up. this seems like a huge grey area. im not really hearing any for sure answers. maybe ill swing by the courthouse and see if i have any options...

 

Sorry Candy. We don't have that issue here in BC. Only hazardous Moving Violations are considered. But I can see the argument for the seat belt tickets being considered. I mean, you are more of a liability not wearing them. But that does not answer your question. Most traffic laws and regulations are a state or provincial matter so it changes from jurisdiction to jurisdiction. The offences are more or less the same throughout North AMerica however how the convictions are handled is very much a different matter.

Maybe you could pleadyour case in person directly to the insurance company saying it was a temporary lapse in judgement. Maybe argue the ATGATT stance while you are riding and you don't know what got over you when you found yourself in the cage.

 

Candy,

Ask for Deferred Adjudication instead of the ticket. This means DDC, ticket goes away. Once DDC is complete, give copy to court and a copy to your insurance person for a 10% discount on your liability coverage. Be quick.

Larry

 

LOL!! Since we are about as far apart as two "members" can be and I welcome any anal retentive to submit maps and mileage specifiying to the inch or mm just how far apart, I feel it my duty to inform you in the spirit of your question and the above answers, that my dog is "Fluffy" and my cat is "Muffy". Hope this helps.

Otherwise, try Google and " florida vehicle code" to see if getting nailed for not wearing a seatbelt is a moving or not. The idea that a moving violation is not going to affect your insurance rates is pretty far out unless you are not actually in Key West but really in Havana. Just for fun see if double parking is a moving in Fla too..

 

My experience: I've received 2 no seat belt tickets over the last 3 years. Never contested or did anything such as what Safetypro mentioned above, but can tell you that my rates did not increase.

Could also call your insurance company. Play dumb. Don't tell them your an existing policy holder, but ask if they surcharge for non moving violations. All it costs is your time, and you're getting it from the source. Worst they do is say they can't (won't) answer that for you.

 

Safety Belt Violations
With the exception of New Hampshire, every state has a law requiring the use of safety belts by adult drivers and passengers in motor vehicles. About half of states allow a law enforcement officer to make a traffic stop based solely on a seat belt violation (meaning that enforcement of seat belt laws is "primary" in those states), while the remaining states require that a law enforcement officer make a traffic stop for a different reason, such as speeding or a mechanical violation, before the seat belt law may be enforced (meaning that enforcement can only be "secondary" in those states).

The traffic laws in some states consider seat belt violations as non-moving violations requiring payment of a fine only (similar to a parking ticket). The amount of the fine can vary from $10 (in Arizona, Idaho, and Kansas) to as much as $200 (for certain seat belt violations in Texas). Other states, in addition to imposing a fine, treat a seat belt violation as a moving violation which shows up as "points" on a driving record, and the offense may lead to increased automobile insurance rates.

Child Restraint Violations
Each state also has traffic laws that require the use of child safety seats for child passengers under a certain age and/or body weight (usually regardless of whether the child is in a front or rear seat). In addition, some states prohibit children below a set weight/age from riding in child safety seats in the front seats of vehicles that are equipped with a passenger side air bag. Child passengers with an age and/or body weight above the limit for a child safety seat may usually be restrained with a standard safety belt.


Lots of great guesses and some really shitty advice. SOS.. Makes one wonder if every time some of this bogus BS is tossed out, it could be a sort of mental hand job or a letter to mom that tells the old girl that somebody posted on the internet and fame and fortune await..

Let's hear it for states rights or rites or writes..Not sure which is which..

 

The only state that I have ever heard of with Adjudication is Texas. And it depends on the county. Not every county offers it. Wish Cali courts offered it.

 

Adjudication is any time a judge hears evidence and renders a decision. Deferred Adjudication is when you cop and a the court lets you slide by paying a fee. Ya gotta ask for this and apperance in court is not a precursor. What ya got going is if in a certain period you do not get another ticket, the ticket is deferred. Get another moving within a specified time and the infraction goes back on your record and you will be paying a fine with no possibility of a municipal court appearance.

I hope too that nobody here thinks that they are going to BS an insurer about moving violations in thier place of residence or even if they have moved from Peckerwood Gulch, Arizona to Tightass, Maine. It's the age of info dudes and that is info..

Bottom line dudes is look up what your state, county, municipality law is and tossing out BS just because somebody told you some BS they heard from somebody who is full of BS.

Heres an example. Bike insurance rates cannot be increased in the State of Washington for a shitload of tickets. Not because I know a guy who has 1,157 speeding tickets or his mamma be a judge or he found Jesus but because under the law, motorcycle insurance is not required in the State of Washington.

 

If they are doing that its not far off from them sticking a camera in your boode-waa and watching you get giggy with dah old lady.

I live in South FL and got seat belt tickets, they are a non-moving violation and there are no points associated with it. Kinda find it funny a state that rescinded the mandatory helmet law as a mandatory seat belt law. Maybe they need more organ donors? As a side note, I just re-newed my FL registration on both bikes. It used to be 24 bux or so. Now they doubled the fee. Anyway I gloss right over the organ donor part along with the widows of midget cops and so on. F em i hate seat belts but choose to wear a brain bucket. :smile:

 

There once was a man from Nantucket...

 

Total non-sequitur/ I love the song from Mountain, Nantucket Sleigh Ride. Long live Lesly West.