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Does Not Wearing a Seatbelt Affect Insurance Claim?
Updated:
03.12.2025
Seat belt use is one of the most critical safety measures for preventing severe injuries and fatalities in car accidents. It’s so important that almost every state has some version of a seatbelt law. Simply put, wearing a seatbelt saves lives every day across the country.
Nevada has its own seatbelt law, which states that every person in the car, no matter where they are sitting, must wear a seatbelt. However, if you’re involved in a car accident without wearing a seat belt, can you still seek compensation from a negligent driver who caused the crash? You may face challenges when filing an insurance claim or pursuing a personal injury lawsuit seeking compensation.
Nevada’s comparative negligence laws and seat belt requirements can complicate getting full compensation, primarily if the defense argues your injuries were worsened by not buckling up. Our skilled Las Vegas car accident lawyer, however, can help protect your rights, navigate legal obstacles, and ensure you receive the compensation you deserve despite these challenges.
The Dangers of Not Wearing a Seat Belt
While not wearing a seat belt doesn’t prevent you from seeking compensation after a car accident in Nevada, the risks associated with this decision are significant and often life-altering.
1. Increased Risk of Severe Injuries
Failing to wear a seat belt dramatically increases the likelihood of critical injuries in a car accident. In a collision, the sudden stop can propel passengers forward at the car's original speed, causing severe harm to internal organs, tissues, and bones. Seat belts are specifically designed to distribute car crash forces evenly across more substantial body parts, significantly reducing the chance of life-threatening injuries.
2. Higher Risk of Ejection from the Vehicle
One of the gravest dangers of not wearing a seat belt is the increased risk of being ejected from the vehicle during a car accident. Ejection often results in catastrophic injuries or fatalities, as individuals may be thrown into the path of other vehicles or onto the road. Statistics show that being ejected from a vehicle significantly increases fatality rates in crashes.
3. Escalated Medical and Financial Burden
Car accidents already result in substantial medical bills, lost wages, and other financial hardships. Not wearing a seat belt increases the likelihood of severe injuries, often leading to higher medical expenses, extended recovery times, and reduced earning capacity. These compounded costs can place an overwhelming financial strain on victims and their families.
4. Violating Nevada Law
Nevada law mandates the use of seat belts for all drivers and passengers. Failing to comply increases your risk of injury and subjects you to legal consequences, such as fines and citations. Following this law is a simple yet crucial step to protect yourself and others.
The dangers of not wearing a seat belt go far beyond legal implications — they impact your safety, finances, and long-term well-being. Buckling up is a small action that delivers significant protection.
How Many Serious Injuries Are Caused by Not Wearing Seat Belts?
Failing to wear a seat belt remains a major factor in motor vehicle accident injuries and fatalities. In the United States, data from the National Highway Traffic Safety Administration (NHTSA) shows that 47% of the 37,133 people killed in vehicle crashes in 2017 were not wearing seat belts. In 2018, more than half of teens aged 13-19 and adults aged 20-44 who died in crashes were unbuckled.
Proper seat belt use can reduce the risk of fatal injuries in passenger vehicles by 45% and moderate to critical injuries by 50%. Despite its proven benefits, the consequences of non-use are staggering — more than 2.2 million drivers and passengers were treated for crash-related injuries in 2018, resulting in nearly $62 billion in medical and work-loss costs in 2017. These statistics underscore the life-saving and economic importance of wearing a seat belt.
The Impact of Seat Belt Usage on Traffic Fatalities in Nevada
In Nevada, the importance of seat belt usage is underscored by recent statistics highlighting how seat belts save lives. Between 2018 and 2020, 42% of vehicle occupants killed in traffic accidents were not wearing seat belts. According to the Nevada Office of Traffic Safety, despite a seat belt usage rate of 94.2% in 2019, over 175,000 Nevadans still did not buckle up, underscoring the need for continued education and enforcement of seat belt laws.
The Office of Traffic Safety also reported that in 2017, an estimated 78 lives were saved by seat belts, and an additional 14 lives could have been saved with 100% seat belt use. These figures highlight the critical role of seat belts in reducing fatalities and serious injuries on Nevada's roads.
Nevada’s Seat Belt Law
Nevada’s seat belt law, as outlined in NRS 484D.495, states that failure to wear a seat belt does not automatically establish negligence or comparative fault in a legal claim. This means that even if you weren’t wearing a seat belt at the time of a car accident and received a citation for it, you still have the right to pursue compensation for your injuries.
However, the at-fault party or their insurance company may attempt to argue that your injuries could have been less severe if you had been wearing a seat belt, potentially reducing the compensation you receive. In such cases, it’s essential to consult with a personal injury lawyer who can help ensure your rights are protected and that you receive fair compensation for your injuries.
What If You Were a Passenger In a Car Accident While Not Wearing a Seat Belt?
If you were a passenger in a car accident while not wearing a seat belt, it could complicate your compensation claim. While the responsibility to wear a seat belt ultimately falls on each individual, drivers are often expected to encourage all passengers to buckle up for safety.
In Nevada, laws require front-seat passengers and minors under 6 years old to wear seat belts, regardless of their seating position. Drivers must also ensure their vehicle has enough functional seat belts for all occupants and should never transport more passengers than the vehicle can safely accommodate.
If you were injured as an unbelted passenger, it’s still possible to seek compensation. However, the opposing party may argue that your injuries were worsened by your failure to buckle up.
Car Insurance Claims Versus Personal Injury Lawsuits
Filing a car insurance claim is a financial transaction, not a legal proceeding, and an insurance company often aims to minimize payouts by questioning liability or downplaying the extent of damages. A personal injury attorney can advocate for your rights during settlement negotiations if you struggle to secure fair compensation through your insurer. However, pursuing a personal injury lawsuit may be necessary if an agreeable settlement cannot be reached.
In such car accident cases, an attorney can initiate legal proceedings, building a strong case to demonstrate the extent of your injuries and the other party’s negligence. If the case goes to trial, a judge or jury will determine the damages you’re entitled to, ensuring your losses are properly accounted for.
Fight for Fair Compensation with Our Car Accident Lawyers
Wearing a seat belt is essential for reducing the risk of injury and saving lives in car accidents. However, even if you weren’t buckled up, you may still have the right to seek maximum compensation for your injuries. Nevada’s laws, including comparative negligence rules, highlight the importance of working with our experienced personal injury attorney to navigate the complexities of your case.
If you’ve been injured in an accident in Las Vegas, don’t let legal obstacles stand in your way — contact our car accident lawyer today to protect your rights and pursue the compensation you deserve.
You May Have a Claim — Call Us to Find Out
To fight for your compensation, contact our skilled Las Vegas car accident lawyer who can counter these claims.
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March 12, 2025
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