[Romiezeus]

With the way insurance companies work, I tend to think logic is illegal. I agree with you on the fact that it makes no sense. My favorite complaint has to do with house insurance. Owning a large breed dog in a home lowers attempted breakins by 642%. Do you get a break on insurance for that? No, they increase your insurance or deny from some policy's because of the threat of dogbite....

With regard to the seatbelt chime though. It isn't an interlock being defeated, since the belt still works, however, I asked about that very thing and he said the insurance company could state that you modified the seatbelt mechanism or damaged the internal workings of it if it ever failed. Granted, it never would, but in the event that it did, you might be up shit creek without a paddle if it went to court. Most lawyers don't understand mechanical processes from my experience and logic would fall on deaf ears.