Seatbelt Laws

[Mikem]

You're free to switch to an insurance company that won't cover damages inflicted while someone wasn't wearing a seatbelt.

I do not know of any such policy.  Please provide the policy exclusion language.

[Mikem]

If there was enough demand for it, there would be one.

you have much to learn about insurance underwriting.  That isnt how it works. 

so what happens if car A crosses the median and hits car B.  Car B driver is not wearing seatbelt.  You are saying that Insurance company A would not cover the damages caused to the driver.  But they have to, because their insured was negligent in operating his vehicle and caused damage to driver B.  They are liable as a matter of common law.  Insurance company A and Driver B have no contract so they cannot enforce this on them. 

See doesnt work, insurance is to cover your negligence and cannot enfore clauses upon a third party.

[Mikem]

no you read his again, you will see that in his scenario the person being indemnified was wearing a belt.  so what if you wernt wearing a belt and someone hit you and they were at fault?  that is my scenario.  It is totally different.

[Mikem]

so they are personally liable, not their insurance?  YOU GET NOTHING BECAUSE THEY ARE POOR!  why do you think insurance is mandatory.  you just arnt making any sense.  why is it the other persons fault that you arnt wearing a belt.  they would be loosing coverage through no fault of their own