Not using a seatbelt will still increase the chance that you are injured. This will put a burden on society.

As long as I am not property of society, this does not cause a moral problem.

Asking your estate to pay is useless if you have no money, insurance claims can reach the millions which most people can not afford. Pedestrians and cyclists aren’t and should not need to be insured.

If I have no money, I can’t get insurance or car either. Also, this is s pragmatic issue, not a moral one.