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What a maroon!
Not surprisingly, you missed the point the Beezer was making.
If the government mandates that we all wear our seatbelts, what incentive is there for the insurance companies to lower rates? On the other hand, if it's a voluntary action on the part of the policy holder the insurance company can offer an incentive to do so. How? They could offer either an increase in compensation or a premium refund if you were involved in an accident while wearing a seatbelt as certified by the officer investigating.
heck, it'd be worthwhile purchasing an electronic device that showed the vehicle had never moved without the occupant being buckled up. Show it to your insurer and you get a discount.
On the other hand, if the government mandates it, there's just a reason for the insurance company to deny you all coverage as if you were drunk, you're similarly in violation of the law.
The seatbelt law did not lower premiums, it increased insurance company profits through no effort of their own. And I'm pretty sure I know how you view insurance company profits.....
Econ. 101
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“Scientists are people who build the Brooklyn Bridge and then buy it.”
Wm. F. Buckley, Jr.
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