Chevrolet Malibu 2010 Owner's Manual page 51

Q: What is wrong with this?
A: The shoulder belt is too loose. It will not give as
much protection this way.
2-18
WARNING:
You can be seriously hurt if your shoulder belt is
too loose. In a crash, you would move forward too
much, which could increase injury. The shoulder
belt should fit snugly against your body.