Saturn 2004 L-Series Owner's Manual page 28

Q:
What's wrong with this?
A:
The shoulder belt is worn under the arm. It should
be worn over the shoulder at all times.
1-22
CAUTION:
{
You can be seriously injured if you wear the
shoulder belt under your arm. In a crash, your
body would move too far forward, which would
increase the chance of head and neck injury.
Also, the belt would apply too much force to
the ribs, which are not as strong as shoulder
bones. You could also severely injure internal
organs like your liver or spleen.