A quick search of Google regarding car accidents yielded data from the CDC... https://www.cdc.gov/nchs/products/databriefs/db410.htm. According to their data, in 2017-18, car accidents resulted in a hospitalization rate of 5.3 hospital visits per 1000 persons, so just over half of one percent. That's a pretty low bar for you to cite. Also, seatbelt wearing is pretty much the norm today, not that everyone does it, but it's not much of a burden to pull your seat belt over and click it. Takes all of 3 seconds. I'm not sure how that compares to someone living in fear of COVID several variants down the line, with a 1.3% overall death rate (since early 2020). I suspect that the death rate is appreciably lower than that if you just looked at the last 12 months.