There are a number of problems with lap only belts, firstly they retain the torso just above the pelvis allowing the upper torso to hinge at the belt accelerating the head and shoulder in a downward arc with the drivers head usually hitting the rim of the steering wheel flexing the head backwards. (whiplash and potential broken neck and a serious frontal skull fracture). In other lap belted passengers the upper torso rotates down and the contents of the abdomen are squeezed up toward the heart and lungs. Risking tearing of the great blood vessels, tearing the liver and spleen, potentially rupturing the bowel and sometimes the abdominal contents including bowel end up in the thoracic cavity.
Very nasty injuries, but still not as bad as being ejected from a vehicle, through the windscreen and potentially run over by the vehicle you were once a passenger within.



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