I WAS CUT OFF BY ANOTHER DRIVER WHO FAILED TO STOP AND YIELD TO ONCOMING TRAFFIC (ME). I BRAKED HARD TO AVOID REAR ENDING HIM, BUT HE TURNED INTO MY LANE WHEN I WAS TOO CLOSE. TO MAKE THE LONG STORY SHOT, I ENDED UP COLLIDING WITH HIM. THE CRASH WAS PRETTY BAD, AND BOTH THE DRIVER AND PASSENGER AIR BAGS FAILED TO DEPLOY. I SUSTAINED MAJOR INJURIES TO MY FACE, SHOULDERS, BACK, NECK, AND LEGS. A POLICE REPORT WAS MADE, BUT I HAVE NOT REPORTED THE DEFECT TO DODGE. WHAT SHOULD I DO? SHOULD I GO CIVIL? *TR