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Yep. All the insurance companies have to do is include a simple clause that the insured waives their right to medical compensation should they not wear their seatbelt. The evidence at a crash scene is easy to detect and is always noted, even today.
Really -- if you get smashed head-on and are ejected through the windsheild, you don't deserve to get anything for your choice. Seatbelt uncomfortable? It wrinkles your clothing? Maybe an insurance company would pop up that will insure you and they'd charge a fortune. Think of how much you'd have to pay in that event! Smokers already pay higher medical insurance rates, so those of a non-seatbelt wearer could be five or six times what seatbelt wearers pay and I think that is entirely fair. I'm sure people are eager and willing to line up to pay that much for their own comfort when riding in an automobile. If they're willing to risk serious injury and their lives in the name of convience, why not hemmorage money too?
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