The often forgotten side of this debate is that, with accidents, folk focus on the immediate situation, quite understandably. But a significant number of RTAs result in long term problems. Maybe a point can be made that if you get some cuts and lose a couple of teeth through not wearing a crash helmet/seatbelt/whatever that's your look out, and your responsibility to deal with (emotionally, physically, financially). It's different if the RTA leaves you disabled and/or unable to work and provide for your dependents and/or needing long term care.