BobG
Science Advisor
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Manchot said:At first glance, seatbelt laws may appear to infringe on personal choice, but I claim that there is a good justification for doing so. Suppose that I was to cause a minor accident, in which the other party wasn't wearing a seatbelt. If he or she had been wearing one, they would've walked away, but because they weren't, they were hospitalized with a $50k medical bill. Essentially, the other person took a minor mistake on my part and amplified the cost significantly. Now, should my insurance and I have to pay those medical bills, just because I may have technically caused the accident? That would seem unfair, no?
I would say that an alternative to seat belt laws would be a law stating that if you are in an accident, and you aren't wearing a seat belt, then you automatically waive any claims for liability that may occur as a result.
I could live with that. It would lower insurance rates for the smarter drivers.
I'd make one other change that would probably raise insurance rates, though. If the insurance company uses blue book value for a car in excellent condition to decide what rates you should pay, they should pay blue book value for a car in excellent condition if the car's totaled. Having an assessor downgrade the value of the car because of hail damage and the amount that the insurance company will pay towards replacement after the fact is larceny. At least it would have been if it hadn't been totaled two weeks after my son bought the car - he only made one insurance payment. Both insurance rates and claims should be based on book value or actual purchase price, whichever is lower. Main thing is that the claim should be based on the same value as the rates.
I'd also raise the drinking age to 25. That's generally the age that the risk of car accidents goes down (judged by insurance rates, anyway). I'd also ban cell phone usage while driving.