Think about what you are writing.
The insurance companies are the best at knowing statistics, they try to avoid things that cost them money. Their statistics obviously show that seatbelts reduce injuries, reduced injuries saves them money.
Maybe we should be smart enough to also believe the statistics and help save our arses.
I do not dispute that wearing a seatbelt is a good idea. It increases our safety and reduces injuries. Of that there can be no doubt, but that is not the central issue in this matter. The Central issue is whether or not we are free, or wards of the state.
If we are free, then we have a right to put ourselves at risk if we so chose. The state has no right to constrain us. Especially not if their true purpose is to act as the enforcement arm of a private company.
There is all sorts of things wrong with this idea, not the least of which is the incestuous relationship between private interests and government force. This has the odor of Nazism about it.