Chevrolet 1999 Monte Carlo Owner's Manual page 22

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The lap part of the belt should be worn low and snug on
the hips, just touching the thighs. In a crash, this applies
force to the strong pelvic bones. And you'd be less likely
to slide under the lap belt. If you slid under it, the belt
would apply force at your abdomen. This could cause
serious or even fatal injuries. The shoulder belt should go
over the shoulder and across the chest. These parts of the
body are best able to take belt restraining forces.
The safety belt locks if there's a sudden stop or crash, or
if you pull the belt very quickly out of the retractor.
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