T - Three-point seatbelt
Three-point seatbelt - A three-point seatbelt has three mountings: two either side of the occupant's lap and one behind the shoulder, which is attached either to the seat or the car's body.
Some cars provide three such belts in the rear, but older cars may only offer a lap-belt for the centre passenger, which stretches across the occupant's lap. A three-point belt offers far more protection in an accident because the wearer's shoulder, chest and abdomen will take the forces of the impact, whereas with a lapbelt, the abdomen takes all the forces alone.
Head injuries are also less likely if the upper body is restrained. Since October 1 2004, all newly designed cars have been required to fit three-point belts.