A seat belt assembly for use in a seat belt system of a motor vehicle to restrain a vehicle occupant. The assembly includes a belt webbing extending from a first end to a second end and includes tubular webbing extending from the first end and configured to open at a tear seam. An airbag is disposed within the tubular webbing and configured to inflate and deploy through the tear seam. A gas generator is fluidly coupled to the airbag and configured to provide an expanding gas to inflate and deploy the airbag in response to a control signal. A first part of the airbag is configured to inflate above the tubular webbing such that the first part of the airbag is disposed between a side or door of the vehicle and the thorax of the vehicle occupant.