It would be great if insurance companies would offer discounts for seat-belt wearers. If you sign up for the discount and you get in an accident when you aren't wearing a seatbelt, you get nothing. It would be like life-insurance discounts for non-smokers...
In MA there is a secondary offense law (you can't be stopped for not wearing a seatbelt, but a fine can be added on for not wearing one if you are stopped for something else). That makes a lot of sense, eh?
NH does not have a seatbelt law for those over 12.
TWICE! Two times, the voters in Mass. shot down seatbelt laws, byt the legislature pushed them through anyway.