your life
the driver
In most cases both the driver and the passenger can be cited. The logic is that the passenger has a responsibility to wear a seatbelt and the driver has a responsibility to be sure that they do.
A ticket in Wisconsin for not wearing your seat belt is $10.00 for each individual. The ticket can apply to the driver, passenger, and rear seat riders not wearing a seat belt.
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the driver
usually, no; however, after sometime, if you continue to get caught for not wearing your seatbelt, you license can be suspended
He and/or the driver can be ticketed for not wearing a seatbelt but coverage still applies. Typically the insurance policy contains no such exclusion of coverage for passengers who refuse to wear a seatbelt. You would not want the exclusion on your policy otherwise your passenger's attorney would have no other recourse than to come after your personal assets.
It will depend on the specific law and how it was written. But in general, yes, the driver is responsible for the actions of the passengers.
It is $40 plus $50 for the "surcharge"
somewhere between $1 and $1,000.
you are wearing the seatbelt.
wearing a seatbelt in the car