Me too.
It’s a long story, but I’ll try to cut it down a bit.
Younger days, driving too fast. For some reason, I decided to stop at a roadside eatery. Finished my meal, got back in my car and took off without buckling my seat belt. I have been a belt user before and since, I almost feel naked without it. On this one occasion, something kept me from buckling the belt, and it was a tricky belt that required two hands to fasten, so I couldn’t do it once in motion, so I decided to wait until I had a chance to stop.
There was a real bad blind curve, and I went into it too fast. The guardrail there was an old style one with heavy wire cables and wooden posts. The car was a convertible with a rollbar.
The nose of the car went under the wire cable, one of the wooden posts came up over the car, punched through the roof. When it was all over, there was a dent in the roll bar directly above the driver’s seat, and a brown scuff on the headrest.
When this happened, I was bouncing around in the car. If I had been buckled in the seat, that post would have hit me right in the face.
Some might say it was just dumb luck, I believe some higher force was involved.