Who is responsible for ensuring that all passengers under 16 years of age wear a seatbelt?

The responsibility for ensuring that all passengers under 16 years of age wear a seatbelt lies with the driver of the vehicle. This regulation is designed to enhance passenger safety and reduce the risk of injury in the event of a collision. As the person in control of the vehicle, the driver is in a position to monitor and enforce this essential safety measure.

Passengers, while being reminded to buckle up is encouraged, are not legally responsible for ensuring compliance with seatbelt laws for those under 16. The vehicle owner does have a role in providing a safe vehicle but is not directly responsible for the behavior of passengers during each individual trip. An insurance company’s involvement pertains to coverage in case of an incident, but they do not have a direct role in ensuring passenger safety regulations are followed. Therefore, the correct answer emphasizes the driver's critical role in maintaining safety for all occupants, especially for younger, more vulnerable passengers.