I always wear a seat belt, I've only been in one car addicent and had minor injuries, but if I hadn't been wearing a seatbelt I don't even know if I would have survived. I was in a minivan and it flipped over, thankfully I just had some cuts from where the window broke and peices of it landed in my arm.

My new car has an annoying buzzer sound so if I don't wear my belt it won't shut up until I put it on. If there is a passanger with me it will also buzz if they aren't wearing a seatbelt.