Does not wearing a seat belt void an accident claim?

Answer 1

In general, failure to wear a seat-belt will not void your claim for damages to your vehicle or any passengers wearing their seatbelts. It may however affect any claim for personal injury to the person not wearing the seatbelt. Typically, if this is the case, the claim for personal injury will not be entirely voided, but the nature of the injuries will be examined in detail, and one might not be reimbursed for injuries that would likely have been prevented by the use of the seatbelt.

Refer to the law of the state in which you are in and to your insurance policy for specific limitations.

Also note that your health insurance policy will cover the injuries, even if your auto-insurance policy doesn't.