The submarining effect occurs when...

A)the headrest is incorrectly adjusted.
B)the distance from the airbag is incorrect.
C)the seatbelt is unable to properly restrain the occupant during an accident and the body slides underneath it.Correct
For the seatbelt to be effective and able to fulfil its assigned purpose, it must be of an approved type. It must be properly anchored, adjusted, and fitted to the body, and correctly fastened. A seat that is too reclined, or the use of inappropriate cushions or seat covers, can cause the occupant to slide underneath the seatbelt (submarining effect).