Which of the following is a consequence of failing to wear a seatbelt?

Failing to wear a seatbelt significantly increases the risk of injury in the event of a crash. Seatbelts are designed to restrain the occupants of a vehicle, preventing them from being thrown around inside the car or ejected during a collision. In many accidents, unbelted occupants can experience severe injuries or fatalities that could have been mitigated by simply wearing a seatbelt. Statistics from various safety organizations consistently show that seatbelt use is one of the most effective means of reducing injury and death in traffic accidents. Therefore, not wearing a seatbelt leaves drivers and passengers vulnerable to greater harm in the event of a crash.

The other options illustrate different scenarios: lower insurance premiums are typically related to safe driving practices and being risk-averse rather than being associated with not wearing seatbelts; license suspension is generally a consequence of specific traffic violations or offenses, not seatbelt use; and claiming there's no consequence at all disregards the serious risks and dangers associated with not using a seatbelt while driving.