Analysis of field data from 3,847 belted drivers in frontal car-to-car crashes to develop a real-world frontal crash assessment matrix. Field data showed injury distribution followed exposure distribution across stature and weight, no significant injury-risk differences across longitudinal seat positions or age groups, and approximately 75% of AIS2+ injuries occurred at energy equivalent speed below 40 km/h. The assessment matrix identifies severity-specific protection targets and crash configurations representative of real-world exposure. The approach combines crash, occupant and seating variation with human body model simulations to evaluate restraint system robustness across real-world variability.