Date: June 12th, 2008

FYI
Originally sent by Carol Thurn from NDDOT

Attached is a report from the Property Casualty Insurers Association of America on the relationship between PBL and car insurance premiums. This report stemmed from a question from another Region 8 SHSO on the role of PBL in lowering car insurance rates (or at least slowing the rate on increase), a topic that NHTSA has not covered in-depth. While the report was not able to drill down to the point that you could ascribe a dollar amount impact on premiums as the result of PBL passage, it goes so far as to say “As demonstrated by the statistics found in this exercise, it can be said that primary enforcement of seat belt laws plays a part in lowering insurance costs. These lower costs in turn result in lower insurance rate increases and even rate decreases.” Hope you find this report of some use.