“I’ve never unbuckled a dead body” - some highway patrol dude to my friend when we were teenagers, while giving the incident report to the local radio station one weekend.
But obviously it’s not just that individual choice (as in the choice to follow the LAW). As others have pointed out, it’s also the vehicle and road safety measures, the tax-payer-funded first responders, the availability of meaningful healthcare, and the fact that going to the ER doesn’t mean going bankrupt. That family is likely alive right now specifically because we don’t live in a libertarian paradise.