The problem is what one person thinks is "dumbass" behavior may not be to someone else. You could probably find something risky that I do that I don't consider unsafe. I could probably do the same for you. Seems to me that insurance companies would love this and not have to pay for much anymore. JMO
As a person who pays for premiums, I'd certainly 'love it' if I didn't have to pay for idiots who think not wearing seatbelts is a good idea.