Seat Belt Laws

Here is a topic that I got into a 'discussion' over during the pub crawl with Mark's buddy Chris. He is again all seat belt laws in general. This one I want some feedback on. Comments, emails, semifore, whatever. I want to see how people feel.
He feels the government has no right to tell him he has to use a device that is know to save lives. Hey, whatever floats your boat. I, however, am a fan of seat belt laws. But not for the obvious reasons. It goes like this...
(purely fictional story)
I'm driving to work. I take a sip of coffee and the lid pops off, spilling hot coffee in my lap. Like any other human being, I freak out and my car swerves while I"m on I-93. I cut off an SUV who has to swerve in turn. They're not wearing their seatbelt and their SUV rolls over once. They get ejected from the vehicle because of it, resulting in some pretty bad injuries.
Now then, my stance is that I should not be held accountable for any injuries that could have been prevented with the use of a seatbelt. In this case, all of them. They chose to break the law and not wear their seat belt, thus accepting the risk of suffering injuries that won't be covered by insurance.
So the determining factor in what is covered by the accident-causing person's insurance is determining what injuries would have happened had they been wearing their seat belt. Anything beyond that will have to be paid by someone else. This will also cut down on people over-suing for things. If you know your own premium will be affected by your frivalous law-suit, you won't start it. And if you know you'll have to pay dearly for not wearing your seat belt, you'd wear it. It's such a simple thing and can save lives. Why can't people just stop being complete morons and wear a seat belt?!
Obviously if this was a state that did not have seat belt laws, this arguement is null and void. Then people are on they're own if they cause an accident.
So fire some comments back at me and let me know what you think.