Wearing seat belts and shoulder harnesses is an efficient means of minimizing the costs of automobile accidents.

Question:

Wearing seat belts and shoulder harnesses is an efficient means of minimizing the costs of automobile accidents. Assuming that the benefits of these passive restraints exceed their costs, but that not all drivers and passengers use seat belts, how might the rules of tort liability be changed so as to induce a greater number of people to wear seat belts and shoulder harnesses?