Because of _Newton's First Law_, without the restraint of a seatbelt, the body continues moving forward at 55 mph until it encounters the windshield, dashboard, steering wheel, or some other interior surface. When it hits any of these objects, it comes to a sudden stop over a very short time. For example, if a person is traveling 55 mph in a car that hits a tree and suddenly comes to a stop in 0.10 s, the person's body experiences a force on the order of:
$$ \Delta p= mv_f-mv_i =(75\text{ kg}) (25\text{ m/s}-0\text{ m/s})= 1875 \text{ kg m/s} $$
$$F= \frac{\Delta p}{\Delta t} =\frac{1875 \text{ kg m/s}}{0.10\text{ s}} =1.88 \times 10^4\text{ N} $$
The large force results in a _severe or even deadly injury_. It is much better to be held by the seat belt and decelerate with the car over a distance of about a meter. Then the acceleration during the collision will be on the order of:
$$\Delta p=mv_f-mv_i = 1875\text{ kg m/s}$$
$$F= \frac{\Delta p}{\Delta t} = \frac{1875\text{ kg m/s}}{1.0\text{ s}}=1.88\times 10^3 \text{ N}$$
The deceleration is still significant but at least survivable.