The difference is that it's insta-death if your in a car without a seatbelt and you end up in a head on. Even with an airbag, airbags are designed to work in conjunction with a seatbelt, no seatbelt=crushed chest. Not to mention a glass death trap right in front of you. Wear a seatbelt, and you might make it out with just some cracked ribs and a sore neck.