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Not wearing a seat belt affects your car insurance claims
Wearing a seat belt is a legal requirement in India according to rule 138(3) of Central Motor Vehicles Rule. If a person is not wearing a seat belt, he may be fined with Rs. 1000. Not wearing a seat belt also affects the insurance claim if an accident occurs. Read about this the blog given.

https://blog.smcinsurance.com/car-insurance/will-not-wearing-rear-seat-belt-impact-your-insurance-claim/