Saturn 2005 L-Series Owner's Manual page 20

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
would 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 is a sudden stop or crash,
or if you pull the belt very quickly out of the retractor.
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