In Murray, many collisions happen in the middle of normal routines: getting to work, picking up kids, or merging around traffic backups. In those cases, insurers often argue the injury came only from impact forces—not from how the seatbelt performed.
But restraint performance is a technical issue. If the belt didn’t lock when it should, allowed excess slack, jammed, or behaved abnormally, it can be relevant to how force loads were distributed during the crash. That’s why we focus early on the facts that matter most for a restraint-defect theory.


