actually, the insurance companies weren't wrong.  before the shoulder
belt was added the lap belt only version was actually dangerous.  they
tend to concentrate the force too much on the abdomen and damage organs.
 this isn't a crack pot theory, my brother learned about this problem
when he was training to be an emt (emergency rescue technician), and
from the instructor no less.  there is a lot of evidence to support
this.  however, with a shoulder belt, they are definitely a very, very
good idea.  seat belts do more than restrain you in a crash, they help
hold you in position as you maneuver, particularly during a hard turn of
panic stop when you are trying to avoid an accident, that extra control
can make a huge difference in the outcome.

John Ferrell wrote:
>
> More education is usually a good thing.
> It would be nice if the other drivers on the road were aware of how far it
> takes to stop a 24 foot Motor home towing a trailer with a back hoe before
> they tempt fate.
>
> There was a time when insurance companies frowned on seat belts (what are
> you going to do that needs them?) and refused coverage if you installed a
> roll bar.
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