I was pulled over for this.. I want to be sure I was in the wrong. I was sure that having it on an over your torso that you are still safely buckled
Yes you can; you were not wearing the seat belt in the fashion that was indtended.
Yes. Even if you were wearing it, if the cop could not SEE it then he/she will likely testify they saw you driving without a seat belt and unless you have video or pictures of the event as it took place, you will lose.
Wish I had better news but good luck.
...and the other advice is accurate too.