Why don't auto insurance companies offer a discount on the medical coverage portion of auto insurance to those drivers who declare themselves seat belt users? This would be similar to the discount on life insurance for non-smokers. If the insured was injured in an accident without wearing a seatbelt, they would receive limited or no medical coverage. This may not incentivize people to wear their seatbelts, but at least society would not have to pay for their decision.

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