Lil Frier wrote:
My not wearing a seat belt does not impede upon the rights of others, so that makes no sense.
And, yes, if I really want to, I CAN decide if I want to die in a car or against a tree. Just because there is a law saying I have to wear a seat belt doesn't mean they will be able to stop me from not wearing it at all times.
Sure, insurance is good and all, but seat belts do NOT determine the price. You act as if removing that law would create a sudden outburst of wrecks and serious injuries. It MIGHT raise a person's insurance a small bit, but there is no proof to that. They implemented those laws, yet insurance costs continue to go up, so that's not proven true.
I'm done with this and am no longer reading your crap because I disagree and am not required by law (YET) to accept the beliefs and ideals of others as true.
Go do some research...nothing I said isn't well known business process basics in the insurance industry. I'm not trying to convince you of a position...this is just the way the system is currently set up. And of course seat belts alone do not determine price...seat belts are one of many factors, including your age, your sex (in some states,) your years of driving experience, your location (urban, suburban, rural, etc.) your car, and so on. Seat belts have a well demonstrated positive impact...thus it is in everyone's econiomic (and health) interest to require them. From the insurance companies point of view, making you wear seatbelts is not about being 'your nanny to teach you what's good for you'- it's about economics and keeping premiums lower than they would be otherwise.
http://www.superpages.com/supertips/how-does-insurance-work.html
And there is enormous evidence as to the benefit of wearing seatbelts both in terms of lives and injuries, and also in terms of medical costs. Here is just one example: http://www.policyalmanac.org/economic/archive/seatbelts.shtml
which says, "Increasing the national seat belt use rate to 90 percent from the current 68 percent would prevent and estimated 5,536 fatalities, 132,670 injuries and save the nation $8.8 billion annually."
$8.8 Billion. Beliefs and ideals...? Yeah, right. How about I believe that I don't like paying any more for auto insurance than I have to, and I certainly don't want to pay a premium upside to cover easily avoidable costs.