Recently, due to the rapid increase in vehicle accidents, research on improving seat belts and restraint system are being actively on going to solve the problems in vehicle for passengers. The characteristics of lap belt load and pelvic displacement were simulated through MADYMO program using Hybrid III 50th percentile male dummy to analyze the submarining by changing the collision speed and seat back angle by applying the forward collision pulse form accident scenario. As a result, the submarining occurred when the seat-back angle was 60° or higher at the collision speed of 50km/h or higher. Lastly, using the characteristics of the lap belt load and pelvic displacement when the anti-submarining belt (ANSB) system adapted, the pelvic displacement was reduced as well as submarining.