MY CIVIC COLLIDED WITH THE SIDE OF ANOTHER VEHICLE AT APPROXIMATELY 40MPH. THE LAP COMPONENT OF MY SEATBELT ENGAGED ALLOWING ONLY MINOR BRUISING/CUTS TO MY KNEES WHICH HIT THE DASH. THE SHOULDER BELT, HOWEVER, DID NOT ENGAGE CAUSING MY CHEST TO SLAM INTO THE STEERING COLUMN CAUSING A DEEP CHEST CONTUSION. MY INSURANCE CO'S APPRAISER "TESTED" THE BELT BUT CLAIMS IT CATCHES WHEN TUGGED ON. THE LOCAL DEALERSHIP CLAIMS SEATBELTS ARE TO KEEP YOU IN THE CAR, NOT TO PREVENT YOU FROM HITTING THE STEERING WHEEL/DASH/WINDSHIELD.