Using a ride-hailing service can be quick and convenient. Saving that extra time can really relax you, to the point that you may even take a break from strapping in while you’re in the back. But studies show that you’re probably going to pay a higher price if you’re in a wreck, and your claim may not cover the costs if you’re without a seat belt.
While almost 90% of people in the front seat of cars wear their safety straps, only 76% follow suit in the rear. Passing on the buckle in the back can set you up for a rough surprise when riding in an Uber or Lyft since it can affect the amount of money you receive if you’re in an accident.
Even in the back, seat belts make a big difference. The Insurance Institute for Highway Safety found that you’re at a much higher risk for serious harm without the strap. Not wearing your restraint in the back seat makes you eight times more likely to experience a severe injury than when you wear your belt.
While not buckling-up may result in more damage, it can also come around during any claims you mount. Comparative negligence may not see a change from seat belt use, but admissible damages can take a big hit. This means the court is more likely to consider what the price would have been with a seat belt, as opposed to your actual costs without.
Knowing how damages can see a deduction when you’re not wearing a seat belt can be eye-opening. Make sure you’re fastening that strap while in the back, and perhaps you won’t feel the mitigating impact without restraint when it comes time to state your case.