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> However, choosing not to wear a seatbelt when there is no one else in the car is fine with me-- the most damage you'll do is fly through the windsheild and into an open manhole.
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> Either way, it's your decision-- choose wisely.

There are some who would argue that not wearing your seatbelt in this situation would affect others if the injured did not have insurance and the taxpayers had to foot the bill. Thus, they would say that it does affect people, although indirectly. This, however, brings up many other arguments that I am not well versed in.