• If you don’t wear seatbelts you can hurt other people in the car.

    If you don’t have vehicle insurance and you injur someone they won’t have any payout on top of being injured.

    • If you don’t wear seatbelts you can hurt other people in the car.

      Good point. But then, seatbelts mustn’t be compulsory for people driving alone.

      If you don’t have vehicle insurance and you injur someone they won’t have any payout on top of being injured.

      They still have some solid options:

      1. Asking me/my estate to pay. Suing me to bankrupcy in case I fail/contest.
      2. Being insured themself for accidents.

      In money terms, the business of insuring cars is mostly about repairs of cars.

      • Not using a seatbelt will still increase the chance that you are injured. This will put a burden on society.

        Asking your estate to pay is useless if you have no money, insurance claims can reach the millions which most people can not afford. Pedestrians and cyclists aren’t and should not need to be insured.