I WAS IN AN ACCIDENT INVOLVING FRONT END DAMAGE ONLY (I.E. I LEFT THE ROADWAY AND STRUCK A TREE IN THE AREA OF THE GRILL OF MY VEHICLE, WHILE ATTEMPTING TO AVOID A DEER). THE AIRBAGS FAILED TO DEPLOY. I WAS A PROPERLY RESTRAINED DRIVER OF THIS VEHICLE WITH NO OCCUPANTS, AS I WAS ON MY WAY TO MY PLACE OF EMPLOYMENT. THE VEHICLE WAS DEEMED A TOTAL LOSS BY THE INSURANCE COMPANY. I WAS TRANSPORTED TO THE HOSPITAL BY POV BY AN OFF DUTY PSP TROOPER. I LOST TIME AT WORK, AND EXPERIENCED A LOW BACK INJURY, AS WELL AS HAD TO REPLACE MY VEHICLE. *TR