ON MAY 6, 2014, MY WIFE [XXX] AND I WERE DRIVING HOME TO WLLISTON, VERMONT FROM ARLINGTON, VERMONT. WE WERE DRIVING NORTH AT APPROXIMATELY 45 MPH IN OUR 2014 TOYOTA COROLLA LE. AT THE BLINKING LIGHT INTERSECTION OF DORSET STREET AND CHEESE FACTORY ROAD, WE MADE A RIGHT HAND TURN AND DROVE EAST. IT WAS A VERY DARK NIGHT AND I MIS-JUDGED THE DISTANCE TO THE END OF CHEESE FACTORY ROAD, WHERE YOU COULD EITHER TURN LEFT OR RIGHT. AT THE INTERSECTION OF CHEESE FACTORY ROAD AND HINESBURG ROAD, THERE ARE NO BLINKING LIGHTS OR REFLECTORS, AND, IN THE DARKNESS, I MISSED THE STOP SIGN, WENT STRAIGHT THROUGH THE INTERSECTION AND CRASHED INTO A DITCH ON THE OTHER SIDE OF THE ROAD. UPON IMPACT, MY AIR BAGS DEPLOYED, AND I FELT ONLY A SHARP PAIN IN MY LOWER BACK. IMMEDIATELY GETTING OUT OF THE CAR, I MOVED TO THE PASSENGER SIDE TO FIND MY WIFE OUT OF THE CAR ON HER HANDS AND KNEES, CRYING OUT THAT SHE WAS UNABLE TO BREATHE. IN THE HOSPITAL [XXX] WAS DIAGNOSED WITH A CRACKED STERNUM, AN L 1 COMPRESSION FRACTURE IN HER BACK, 3 BROKEN RIBS AND A BROKEN LEFT WRIST. SHE SPENT 9 DAYS IN ICU. IT HAS ONLY BEEN IN THE LAST FEW WEEKS THAT MY WIFE AND I HAVE HAD AN IN-DEPTH DISCUSSION OF THE ACCIDENT. [XXX] SAYS THAT HER SEAT BELT DID NOT HOLD HER BACK, AND THAT HER CHEST HIT THE DASH BEFORE HER AIR BAG DEPLOYED; YET, AT IMPACT SHE WAS ABLE TO SEE THAT MY AIR BAG HAD DEPLOYED BEFORE HERS. THIS WOULD PROBABLY ACCOUNT FOR THE SEVERITY OF HER INJURIES AND FOR THE RELATIVELY MINOR IN