4 ms·

That's the cheaper outcome. What if you survive and are badly maimed and unable to work?

• AnthonyMouse 6y ago
  As usual the solution to this type of problem exists in insurance. If you get into an accident and you weren't wearing a seat belt then you pay correspondingly higher insurance premiums for the rest of your life sufficient to pay for the claims filed by other people not wearing seat belts who become disabled. Assuming they want to be able to file a disability claim, because the problem is caused by the insurance to begin with -- if the problem is that people will be more likely to file an insurance claim then the solution is for those people to pay a higher premium if they want the insurance.
  • Hamuko 6y ago
    I'd say the better solution would be to deny insurance coverage for people that were not wearing their seatbelt for the damages that they suffered.
    • AnthonyMouse 6y ago
      That's theoretically a possibility -- make it like smoking for health insurance. You have to answer the question up front but if you say yes you pay higher premiums and if you lie then it's justification for denying your claim. A lot of people hate that because it means people can choose not to be covered and then have a Very Bad Time when they can't file a claim. But it's not like they have anyone to blame but themselves.
      • Hamuko 6y ago
        As far as I know, smoking isn't illegal. Operating a motor vehicle without a seatbelt is illegal in 49 states in the US and around the world.
        • AnthonyMouse 6y ago
          You wouldn't need it to be illegal if you solved the insurance problem that causes people to want there to be a law against it.