Seatbelt Laws

[Engineer]

The problem with you not wearing your seatbelt is that it causes my insurance rates to go up.  People who don't wear seatbelts sustain greater injuries in a car accident and the insurance companies have to shell out more money to cover them.  The insurance companies recoup their losses by raising insurance rates on everybody.  It would be great to have a question on your insurance application asking if you wear your seatbelts, and if you don't you pay a higher insurance rate, but people would lie about it to save money.  Therefore we have the seatbelt law, in order to help curb high insurance rates.

In this case, your actions (not wearing your seatbelt) does effect others.

[Engineer]

So, if I get insurance with a company that doesn't cover unseatbelted people and the other guy has the same policy (because it's cheaper) and he doesn't wear his seatbelt and we get in an accident and he's injuried, who pays for it?  By youir definition, nobody does. 

Except the insurance company or the government.