The present invention is a resettable load-limiting adaptive seatbelt apparatus having the means to readily allow release or disengagement of the seatbelt apparatus at a predetermined load in response to a first situation, and having the means to prevent release or disengagement of the seatbelt apparatus at the predetermined load in response to a second situation, and yet having the means to allow limited non-disengagement load-limiting payout of the seatbelt apparatus at a variable predetermined load in response to a third situation.