Ah, yeah, but your second premise kinda puts some restraints (pun intended) on your first. Is it only immoral to not wear a seat belt if you subsequently crash?
No, because you must take into account the possible outcomes of your actions, to a reasonable extent.
Eg If you run across the road into busy traffic, you may well cause an accident to other people.
People should not let their dogs run wild for the same reason.
Even with the red light example, to be morally perfect, you should still obey the law on the principle that you would be giving a poor example.
Personally, a red light is something I obey to a ridiculous extent.
Even when a traffic light is clearly malfunctioning, I find it difficult to go through it.
In the UK, we have no option to turn left at a junction where there is a traffic light, even if the opposing traffic cannot turn right into the same road.
So we will stop there for absolutely no reason except it's the law.
This is a good philosophical question, but morally I think we should stick with the thread subject