Automobile insurance rates for all automobile owers are higher because of the need to pay for the increased injuries or deaths of people not wearing seat belts.中的not wearing seat belts修饰谁,按照原文及OG解释应该是说车主没系安全带伤及了其他人,可是从语法上看not wearing seat belts是修饰people,那么原文的意思就表达不出来了!