"A EMT once told me - I have never un buckled a dead person."
HE may never have unbuckled a dead person, but others have. I saw one on I-5 near Fresno late at night. The guy in the station wagon apparently fell asleep, went through the oleander center divider, and hit a semi head-on. A seatbelt won't save you from something like that.
But almost everything else, yes.
Sue