A close friend of mine (an insurance adjuster) was driving the company car to the site of an incident. Her company (Farmer's Insurance) had received notice of defective seat belt anchors, but chose to ignore it.

A man ran the red light from a cross street and she t-boned him. The seatbelt anchor pulled loose and her head and shoulders slammed into the windshield and and its frame.

I know this isn't the answer you wanted, but if a car company can build cars with defective seat belt anchors, do you think they might also be making some defective seat belt latches?

I can see how an accident could jam the belt, or it could have been damaged prior to the accident, or maybe it's just old and worn out.

If it only happens to one person a year, and you or your wife or child are that victim.....

Sue