[metesky]

In your world, we would need to have higher insurance rates for people who like the freedom of not wearing a seatbelt and who thus have bigger payouts when an accident does occur.
The rest of us should not have to pay for your freedom to live dangerously .

I have no problem with insurance companies charging a higher premium for risk takers.

I do have a problem with insurance company lobbyists writing our laws.

I personally like the New Hampshire attitude, where signs on the roads entering the state say (approximately),"If you're under 18 buckle up. It's the law. If you're over 18, have a nice day."

[Gilbo_3]

I have no problem with insurance companies charging a higher premium for risk takers

I do have a problem with being FORCED to carry insurance when its no more than legal extortion