umm, apart from the legal aspect of your behaivour I suppose the decision is a personal one, but I would say that there are worse things than being killed! in my career in the health service I have lost count of the number of RTA victims I have seen who did not wear seatbelts in a shunt. The dead ones were the lucky ones. Having the top sliced off your head like a boiled egg by the roof edge or dashboard for example, or losing your face/eyes as you crash through the glass, etc etc. No-one can really make an argument that seatbelts do not contribute to an increase in overall safety, of course there will always be exceptions, like the case you site, but in the long run, you are safer with it on than not.