NH seatbelt law could mean that the decline in auto insurance premiums
A seat belt mandatory law could be registered as a driver of life. It could save money.
If the New Hampshire legislature recently a seatbelt bill supporters pointed out that by loop would save lives. But the problem also has financial consequences, not only because the law would be amended to state net $ 3.7 million in the federal budget.
Although the designation of safety belt would probably not reduce car insurance premiums immediately, it can contribute to a decline over time, the insurance industry. It could also save the state millions of dollars annually in health care, lost productivity and other costs related to automobile insurance deaths and injuries, by the failure of buckle seatbelts trailer.
With a safety belt use rate of 63.5 percent, New Hampshire Wyoming linked to the nation at the bottom of last year, according to figures from the National Highway Traffic Safety Agency. A mandatory seatbelt law, related to education are increasing that rate to over 80 per cent, depending on seat belts for all, a coalition of national legislators, health officials and law enforcement guide.
That would save the state an average of 14 dead, 335 seriously injured and about $ 75 million in related costs each year, said the group.
During the House debate, opponents of the bill described as a blow to personal freedom and said, failure to wear seat belts only for those who choose not to wear, not the general public. They also said, New Hampshire, already enjoys relatively low rates of auto insurance.
New Hampshire’s average auto insurance, $ 798 in 2004, compared to $ 698 to $ 650 Vermont and Maine.
Doug Nadeau, a spokesman for State Farm Insurance, said a seatbelt law in New Hampshire would immediately reduce prices, but can bring a decrease over time, as well as safety improvements for vehicles - such as airbags and crumple zones - rate held at bay.
“All security features to reflect the reduction in insurance rates,” he said. “It does not happen immediately.”
David Snyder, an auto insurance specialist with the American Insurance Association, also required a safety belt could reduce the duty rate, as this would be the number of accidents in the context of violations of information and the seriousness of these claims.
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