A seat belt should be adjusted so that it:

  1. Is loose.
  2. Is buckled snugly across your hip bones and lower abdomen. ✓
  3. Is hidden beneath the seat.
  4. Keeps the seat belt buzzer or light from operating.

Answer: B. Is buckled snugly across your hip bones and lower abdomen.

A seat belt should be buckled snugly so the lap belt sits around your hips, which is what the choice describing a snug fit across your hip bones and lower abdomen means.

Why this is the answer

The handbook tells you to wear both the lap belt and the shoulder belt, and to put the lap belt around your hips with the shoulder belt across your chest. It also warns that a belt tucked behind you will not work. A snug lap belt across the hips keeps you from being ejected, from being thrown into other passengers, the steering wheel or windshield, and keeps you behind the wheel where you can control the car.

Why the other answers are wrong

Remember it

Picture the lap belt low and firm across your hip bones, with the shoulder strap over your chest, not behind you.

Official handbook: Florida Driver License Handbook (FLHSMV), 3. Your Driving Privilege – Violations of the Driver License Law, p. 27

Explanation drafted with AI (deepseek-flash) from the official handbook passage cited above, then checked automatically and by a second model on 2026-10-23. Always confirm with the official handbook.