Wear them.
And some interesting stats from Maine:
Medicaid paid out, on average, $24,500 for crash victims who were wearing their seat belts at the time of the incident. . . . The Medicaid payout for unbelted victims, meanwhile, was nearly triple that figure, or roughly $74,000 per patient, Steele said.
In an earlier review of Medicaid patients at EMHS, 10 of the 11 patients whose bills were in excess of $100,000 were not buckled up at the time of the accident.
Statistics are useful tools and seatbelt saves life. However, wearing seatbelt will cause driver to drive faster and more recklessly(according to my memory from a news article a while back). It is also a dirty secret that insurance don't want you to know since wearing seatbelt help lower the bills.
Vehicle accidents suppose to be get lower when computer is taking over the driver seat.