Most of the accidents I've been in have been people rushing to work or rushing to pick up relatives from the airport. One time a motorbike hit me square in the rear, flew over my car, hit the ground, and his leg was run over by a another motorbike. The car wasn't even moving; it was a traffic jam.
The cars here make some noise when driver seat belts are not fastened. To get around this, some people buy some of these "alarm stopper clips" for a dollar so they don't have to wear their safety belts.
I'm always frustrated at how exceptionally stupid some of these accidents are. I'm surprised some cities are getting to zero fatalities just by making laws; most of the fatalities here are from people finding ways to break the laws they disagree with, or people who care more about being late to work than arrested.