There are minimum legal vehicle standards. And behavior standards. Your reasons do not well distinguish between falling within and without of them; your gripes are analog.
By the same logic, you would be offended because...
- I drive a lighter vehicle, being more at risk of injury.
- I drive a vehicle with poorer handling, increasing the likelihood of an accident, or reducing my ability to dodge an accident.
- I drive a vehicle more prone to mechanical failures (older, less reliable, other), increasing the likelihood of closing the road.
- I have some other medical condition that causes problems and/or expense when I'm to be pulled from a vehicle. Say, hemophilia, obesity, or age.
Each of the costs you have described apply as well to one more of the scenarios above. And yet, the vehicle and driver may well fall within acceptable standards for driving (and being driven).
As for your health care premium worries, the insurance companies do account for seat belt use (or lack of it). I'll leave that as an exercise for the reader.