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I figure that if some moron doesn't want to wear a helmet or buckle up, then they can go for it. Darwin awaits those folks.
I, however, don't want to pay a damn cent for the treatment when they get hurt. That means that I believe that if someone doesn't wear a helmet or seatbelt and gets into an accident, then insurance shouldn't cover the injuries, nor should state/national funds pay for their hospital bills.
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