It's a stupid idea, because driving without a seatbelt, pissed at the wheel etc is definitely stupid, but is impossible to definitively identify as suicidal. Unless there's a suicide note, very recent declaration of suicidal intent, it's absolute bollocks. It's a very dangerous thing to say that all idiots behind the wheel are somehow suicidal. I can just see the lawyers (in America) queuing up to challenge such a blanket judgement. The next thing they'll do is say that all gunshot victims were suicidal if they weren't armed and shot back. If you go swimming at the beach on a red flag day and drown does that automatically make you suicidal? If you get wasted and just wander out into the roadway does that automatically make you suicidal?
It's bollocks. And in fact, it's also neo-bollocks and crypto-bollocks as well.
I'd be very surprised that the Biden government would be even considering this. Trump, maybe, but let's count our lucky stars that he never gets voted back in again, although every country in the world could periodically despair at the stupidity of their own voters.
American seat belt laws seem to be very complex, and the usual state by state patchwork with very little consistency. This reads like one of those idiot rules that will never see the light of day, but will galvanise the unthinking looters v shooters to go out there and vote for big corp, then lie down and willingly feel the corporate boot at their neck, again.
A bit like the EU army, Turkey imminently joining the EU, immigrant invasion, and let's chuck in £350m a week for the NHS while we're at it, there's always a danger of just swallowing the headline without at least a bit of critical analysis.
And back on topic as a PS, I'd have thought that if you were driving illegally ie drunk etc, your insurance would be invalid anyway.