I WAS DRIVING APPROXIMATELY 20 MPH WHEN A CAR SUDDENLY STOPPED IN FRONT OF ME. I COULD NOT STOP IN TIME, AND HIT THE VEHICLE. MY SEATBELT [DRIVER'S], WHICH I HAD PROPERLY FASTENED, DID NOT RETRACT AND LOCK INTO PLACE. THE SHOULDER STRAP OF THE SEATBELT FULLY EXTENDED, AND I HIT THE STEERING WHEEL. THE SHOULDER STRAP OF THE SEAT BELT REMAINED FULLY PULLED OUT AND NO LONGER WILL RETRACT AT ALL - IT WILL NEED TO BE REPLACED. I THOUGHT SEATBELTS WERE SUPPOSED TO LOCK AND HOLD IN AN ACCIDENT?? *CN