Aeons ago, before there were airbags, I learned what you really need a seatbelt for.
It holds you in place during extreme maneuvers. I can think of a couple of situations in which the seatbelt helped me avoid a collision or crash.
But that’s just me.
Seatbelt LAWS were tyranny from the beginning.
This. So is mandatory insurance. And for the exact same reason.
I have always worn my belt, you can drive much faster in the mountains that way.