I don't think your comment addresses what I actually said. I wrote that I don't think there's a single correct answer to the question of "trust the experts or my own instinct" that applies to all situations. Your example about seatbelts is simply an example of a scenario in which you would likely want to defer to expert opinion.
edit: Also, the case of seatbelts vs no-seatbelts is a fairly easy example, because the evidence is readily available through life experience. I think most people know someone who was injured or killed by not wearing one (I knew a few). So you don't even need to refer to an expert opinion to make that call.