How's This for Irony?

[Radar]

Yes, but a Libertarian would say do away with the (partially) socialized healthcare too, that way society wouldn't be paying for it.

Correct.

Also it really doesn't matter what the insurance company would do. What they will or won't cover is between you and them when you make a contract. If they make a stipulation in your policy that anyone killed while not wearing a seatbelt is not covered, and you agree to it, you shouldn't get paid.