"How does one prove the only reasn for the injury was because of non-seatbelt wearing?"
Don't wear a helmet & a head injury -- the insurance company should have a right not to pay unless you asked for "non-helmet wearing coverage".
Don't wear a seatbeat and get thrown from the car or through a windshield -- the insurance company should have a right not to pay unless you asked for "non-seatbelt wearing coverage".
Why should the rest of the insurance paying public have to pay for someone else's choice not to wear a seatbelt or helmet? Goes back to that "driving is not a right" thing. If people want the freedom not to wear a seatbelt or wear a helmet the responsiblity should be accepted for their risky behavior. Period
We wouldn't even be having this discussion if the insurance industry did have legislatures throughout the country in their pockets, along with the trial lawyer lobby.
If I am paying for insurance, I expect the carrier to cover what I am paying for. I guess I really should get off this thread.......I'm in the midst of a battle with my health insurance carrier right now for refusing to pay the bill for my surgery last year.........they paid for everything without question, EXCEPT for the doctor who did the surgery. So I am probably looking at this from a less than objective standpoint.
My gripe is not with you, or really even your position, just with the system as a whole. It's broke and needs to be fixed.
That IS the point! We no longer have the FREEDOM to accept the responsibility of our "risky" behavior. We are being dictated to as to what behavior we may or may not engage in. Personal responsibility has been banned in favor of the nanny state. Not to mention, WHO decides what is "RISKY" behavior.