Well if you had 14 people and 13 vests, the Sheriff was justified in writing you a ticket - sorry dude. Get a few spare CGA PFDs and keep them in the boat just in case. Not sure how a life jacket citation could carry over to your auto insurance, which I think is what you are asking. I know here in Texas, a DUI will add points to your record, but I don't see how a PFD infraction could. Good luck.
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