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Originally Posted by Mr. Carlson the Bugeater
Because there are a large number of thick-headed mouth breathers out there that either don't understand why they should do it, or just plain don't give a shit. Why should the responsible people have to help pay for them?
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Why can't the insurance companies charge higher rates for people who don't wear seat belts? You know, like they do for other high risk insurees such as smokers. Sure, if you say you do wear it on your sign up forms but actually don't wear it, you have beaten that system. But they could have it on the sign up forms that if you get a traffic violation or are in a traffic accident with no seatbelt, you will pay a penalty on your insurance.