And dear Heart, quite often the problem is not that you ran into something, but something ran into you. Which is less easily controlled. Again, private world solutions are usually better. Let insurance policies reflect belt usage and people will wear the belts.
To ease your mind my opinion about seat belts has changed. The bottom line is driving a vehicle responsibly takes full attention at all times and you have to be prepared for surprises. It is not a game, it is probably the most dangerous activity most people will ever engage in, and most never consider that. They cannot build a vehicle that will ever account for human error.
I have been driving for 40 years, from two wheels up to thirty plus wheels pushing a quarter million pounds. I have done this accident free by always following one simple rule "NEVER engage transmission until brain is fully engaged".