I'm going to guess that the belt has to be used how it was designed to be used. Thus, drawn across your body and latched using the provided latching mechanism.
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It must be worn across lap and across the chest as designed. If you get caught without a properly belted seat belt (even if you have it partially on) you will be ticketed.
As a practical matter, seat belt violations are almost always upheld by the Traffic court judge in central florida unless you have a valid defense like a health issue. . .or if your vehicle was at a complete stop when the allegation was witnessed.
Pull it across your chest and snap it in, just as the manufacturer intended. There are certain medical exemptions and exemptions for vehicles manufactured prior to the implementation of the federal safety standard, but other than that, it's all common sense.
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