What is the consequence of not wearing a seatbelt?

Not wearing a seatbelt can lead to a fine and potential injuries in the event of an accident, making this the correct choice. The law requires seatbelt usage to enhance safety; failing to comply with this law generally results in financial penalties. Additionally, not wearing a seatbelt significantly increases the risk of serious injuries or fatalities in crashes, as seatbelts are designed to protect occupants by keeping them secured in their seats and reducing the likelihood of being ejected from the vehicle.

The other options do not accurately reflect the consequences of not wearing a seatbelt. Receiving only a warning from law enforcement underplays the seriousness of the infraction, while the notion of free medical care after an accident is misleading; healthcare costs arising from injuries sustained in an accident could be considerable and are not guaranteed to be covered without insurance. Lastly, not wearing a seatbelt can impact insurance rates negatively, as insurance companies may raise premiums due to the increased risk associated with unbelted occupants.