Personal Liability Insurance: What Happens When Someone Gets Hurt on Your Property

For most of us, there is a routine when getting in the car to go somewhere. Typically, it involves arranging your stuff, possibly getting kids settled in, putting on a seat belt, and then hitting the road. You might be surprised to find out, however, how many people skip the crucial step of putting on a seat belt. Check out these seat belt statistics:

• According to a study from 2012, only 73% of drivers and front seat passengers wear a seat belt in Massachusetts. The reported national average is 86%.
• Car accidents are a leading cause of death of people aged 1-54 in the US.
• Over 21,000 people died in crashes in 2014 – over half of those aged 13-44 in those accidents were unrestrained at the time of the crash.
• The use of seat belts reduces serious injuries and deaths by about half.

In the state of Massachusetts, drivers and all passengers aged 13 and over must be wearing a seat belt when a vehicle is in operation. There are also additional child restraint laws for children 12 and under.

If you want to prevent serious injury to yourself and your passengers when you are driving, make sure that every person is properly restrained before the vehicle begins to move. This should be done for all car trips, no matter how short. While it is unrelated to seat belt laws, it is also important to remember that texting while driving is illegal in Massachusetts.

Having a top-notch auto insurance policy is another important part of owning a car. If you want a free car insurance quote or review, just call Vargas and Vargas Insurance Agency at 617-298-0655 .