If we're talking US law, you are absolutely incorrect and making a false equivalence yourself. A murder victim is not a MVC victim. Only the collision is 100%

If we're talking US law, you are absolutely incorrect and making a false equivalence yourself. A murder victim is not a MVC victim. Only the collision is 100% the driver's fault (in most states). The death is up for debate. If you die because you weren't wearing a seatbelt/helmet, you were negligent, so fault is shared. There is no law mandating everyone wear bulletproof vests. All states have seatbelt laws, and most have helmet laws.