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I might add that, if you are involved in an accident in a state that requires wearing a seatbelt and are injured, you will likely not recover any damages and possibly not be covered by insurance because you broke the law and contributed to your own injuries because of negligence.
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This a totally false statement..............You can be dead drunk and be in an accident and you WILL BE COVERED by your insurance company, you can be speeding 125 mph in 25 mph zone and be in an accident and your still covered and can recoup money for injuries,happens every day....sure, your stupidity contributed to your injuries, but I've yet to see an insurance policy with a "stupidity clause" in it!!!!!!!!!!!!!!
In 99% of all accidents, one of the vehicles involved "broke the law", be it running a red light,speeding or whatever,an insurance company can not deny coverage because of this..........if this were allowed,what would be the use of having insurance in the first place???????
David