Reply #46: wearing a seat belt is what makes the rates go up, actually

[pitohui]

if you're dead, you're dead, dude

it's the person who survives who costs many thousands, sometimes hundreds of thousands

my mom was wearing a seatbelt in an accident & i'm very glad she did, as she made a full recovery

however, as far as $$$ cost, the reality is that a funeral is 10 grand but reconstructing her face & body cost the insurer 100 grand

so your argument abt costs is quite, quite bogus

NOT wearing a seat belt can be the much cheaper choice

it totally depends on the accident