The correct statement among the options provided is:
Seatbelts can cause injury in a crash, but less injury than if a driver was not belted.
This statement acknowledges that while seatbelts may cause some injuries during a crash (such as bruising from the seatbelt itself), they significantly reduce the chances of more severe injuries or fatalities compared to not wearing a seatbelt at all.
The other statements are false:
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Airbags have made seatbelts unnecessary. (This is false because airbags are designed to work in conjunction with seatbelts, not as a replacement.)
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If the car is on fire or submerged in water, a seat belt will make it impossible to escape. (While it may make escaping more difficult, it doesn't necessarily make it impossible. In many cases, unbuckling a seatbelt can still be accomplished.)
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A driver is safer when thrown out of the car in a crash. (This is false; being ejected from a vehicle during a crash is much more dangerous and increases the risk of serious injury or death.)