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Yes, but a Libertarian would say do away with the (partially) socialized healthcare too, that way society wouldn't be paying for it.
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Correct.
Also it really doesn't matter what the insurance company would do. What they will or won't cover is between you and them when you make a contract. If they make a stipulation in your policy that anyone killed while not wearing a seatbelt is not covered, and you agree to it, you shouldn't get paid.