Comment No seat belt for you...No insurance for injuries.. (Score 4, Interesting) 455
I am fine if you don't wear your seat belt and maybe the law shouldn't be that way. But please don't ask to have your injuries caused by not wearing it covered. The auto insurance company I am with does just that. If you don't wear a seat belt then they pay a small percentage of the medical and don't cover anything that is obviously a result of not wearing the seat belt (like being ejected from the vehicle and bouncing down the road). It is a business proposition between my insurance company and myself. To keep my rates lower, I wear a seat belt. And if the law should state something, it should be that insurance companies and individuals are not liable for injuries incurred because a seat belt is not worn.