If you suffer a serious accident, it imposes an external cost on society. You may get presented with a bill afterwards, but even at the point of having the accident it's highly disruptive. Consider a car accident where you're berely inured and shaken up, v. one where you are ejected through the windscreen into the road. Which one is going to disrupt traffic for longer?

keeps the drive in front of the wheel during an accident

So you think passengers should not wear them?