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It's a choice. I'm an insurance adjuster. I get to see what happens when people don't wear seatbelts and helmets and such.
I ALWAYS wear a seatbelt.
That said, it's your arse if you choose not to. As to seatbelt laws saving money, it's pretty much a given that seatbelts help to prevent injury, same with helmets. If an injury is prevented, or at least ameliorated, that is less money that the insurance company pays out. Seatbelt/helmet laws do save money.
The bottom line is that you might be a perfectly safe driver, but the why trust the other guy?
Like I said, I ALWAYS wear a seltbelt, and ALWAYS wear a helmet and at least heavy denim when riding. Still, I dislike being told to. I'd rather see an opt-out clause. Something like a hard limiter that limits how much you can claim injury if you choose not to wear a seatbelt or helmet. That'd be nice. Never happen though.
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