Seat belts can help in an accident, true enough. HOWEVER, the point is that using them is a PERSONAL CHOICE and NOT one that should be made by legislators or enforced by police officers. ESPECIALLY when there are many, many better uses for scarce dollars, like removing red light runners from this world. But I notice that there is virtually NO nanny-state law you don't like. Why is that?
I don't like seatbelt laws, however, I like having my tax dollars and insurance dollars pay for idiots who refuse to wear seatbelts.
Pass a law that says insurance companies can refuse to pay for injuries caused by not wearing a seatbelt, and that the government will not pick up the medical bills of those injured due to not wearing seatbelts, then it solves several problems at once.