The submarining effect occurs when...
Active and passive safety
Explanation
The **submarine effect** occurs when, during an accident, the body of the driver or passenger slides downward, underneath the seatbelt. This mainly happens because the seat is reclined backward and the seatbelt is not properly adjusted to the body. To avoid this effect, it is important to:
- **Fasten the seatbelt properly** and ensure it is well adjusted to the body.
- **Avoid placing objects** like towels, cushions, or covers on the seat, as they can make the body slide more easily.
- **Maintain an appropriate posture** while driving, without reclining the seat too far back.

Therefore, the correct answer is that the seatbelt is not able to adequately restrain during an accident and the body slips underneath it.
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