Correct answer
can encourage the submarining effect.
Placing a towel over the car seat while driving can encourage the submarining effect. This effect occurs when, in an accident, the driver's or passenger's body slides forward and underneath the seat belt. This happens because the towel (or any similar material such as cushions, seat covers, etc.) can reduce the friction between the occupant and the seat, causing the seat belt to fail to properly restrain the occupant. The seat belt must be correctly positioned and adjusted to the body to provide adequate protection. This includes having the chest strap pass over the collarbone and the centre of the chest, and the lap strap over the pelvis and hip bones.
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can encourage the submarining effect.
is advisable, especially in summer, to protect the seat.
does not pose any danger.
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