Many people involved in automobile accidents in Massachusetts were not wearing a seat belt at the time of the accident. Massachusetts insurance companies will try to argue that you should not recover compensation for your injuries, because you were not wearing a seat belt. That is rubbish.
In Massachusetts not wearing a seat belt can not be used as evidence of negligence. The fact that you were not wearing a seat belt surely did not cause the automobile accident you were involved in. So the next time the insurance company uses the seat belt defense, tell them that is a misstatement of the applicable law. They will likely back down.
I invite you to contact me with any Massachusetts personal injury questions you may have.