I always wear a seatbelt... in a car like mine (a Mini), you'd have to be a complete idiot not to.
I have seatbelt cutters in my center console always, as long as one of those special claw hammers for smashing through windows. I always check that they're there before I drive... and I always tell anyone I'm carrying to put theirs on before we go.
If I didn't wear a belt, though, that would scare me into it.
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Your arms are broken!
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