On Friday, September 8, 2017 at 3:19:11 PM UTC-4, Ralph Mowery wrote:


What I would really like is for the insurance companies to get togetner
with the law makers and not pay off to the people over 21 that do not
follow those laws. I do not care if some one of reasonable age falls
off the boat without the life vest and drowns. Just don't expect his
life insurance to pay off. Or is someone gets hurt in a car crash
without the seat belt, just do not pay off for medical bills or to get
his car repaired.

Some pretty serious issues here if this is to be enforced.

a) Automakers must be then, 100% liable *forever* for the functionality of the seat belts and safety devices. So, latches that fail, belts that wear and break, and airbags that do not go off - none of which are user-serviceable - must fall back on the manufacturer.
b) Seat belt and safety device deployment must then be recorded in the automotive 'brain' such that this will indicate at the crash-investigation stage. Similar to an aircraft flight data recorder. Many of these even now record speed and other conditions if there is a crash, some will even notify emergency services.

Which, of course, will naturally lead to insurance companies demanding 'good driver' monitors on their insured that continuously relay speed/braking/timing/and much more to the company so that they may determine 'risk' based on actual driving behavior. Some offer this option right now.

Is that what you really want?

Peter Wieck
Melrose Park, PA