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The use of seatbelts saves money for every insured driver on the road.
That has nothing to do with the police other then to put in their accident report whether the occupants were wearing seat belts or not.
And wearing seat belts has little if anything to do with causing an accident.
Just make it that insurance is higher for those that don't wear seat belts - and if they lie and later found they were not wearing a seat belt, that would mean a reduction in their settlement.