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Seat belts are the most important factor in saving lives during a car accident, according to a study of fatal accidents in 2005 by the Farmers’ actuarial, pricing, and economic team.

“The Farmers study used a binary logit econometric model to explore the factors surrounding driver fatality, and found that odds of survival increased two and a half times when a driver wore a seat belt compared to a driver who did not. These odds illustrate the overwhelming benefit of using a safety belt,” according ot the study team.

The report indicates that a study by the U.S. Department of Transportation, which uses data from the Fatality Analysis Reporting System, a publicly accessible database of fatal motor vehicle accidents, found that factors such as winter and night driving, increased speed limit, and substance abuse, all contribute to decreased survival rates. “Statistics show that exercising caution and using your vehicle’s safety features help mitigate dangerous conditions,” the team said.

For more information on the study, visit .

Source: Farmers