Chevrolet 1995 Monte Carlo Owner's Manual page 37

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 a crash,
or if you pull the belt very quickly out of the retractor.
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