Seatbelts are a legal requirement because my car insurance would have to pay for your medical bills if not wearing a seatbelt turned my failure to stop from a m

Seatbelts are a legal requirement because my car insurance would have to pay for your medical bills if not wearing a seatbelt turned my failure to stop from a minor accident into a serious head injury. In other words, your lack of a seatbelt affects my liability. There is no analogy between that and safety devices for uninsured activities carried out alone, in our own homes.