If you don’t wear seatbelts you can hurt other people in the car.
Good point. But then, seatbelts mustn’t be compulsory for people driving alone.
If you don’t have vehicle insurance and you injur someone they won’t have any payout on top of being injured.
They still have some solid options:
In money terms, the business of insuring cars is mostly about repairs of cars.
FB/insta/whatsapp, Reddit, google, snapchat… who else ?