Yup! If I set the seatbelt as low as it will go, it still runs across the bottom of my neck, which can't be good. As for the crash test dummies, the "woman" and "child" crash test dummies they use--when they bother to use them--are just scaled-down "man" crash test dummies, so they don't even accurately show how an actual woman or child's body reacts in a crash. The weight distribution, skeletal density, musculature, etc is all off.