THE CONSUMER WAS DRIVING ON HIGHWAY IN FRONT OF A TRACTOR TRAILER FLATBED. THE TRACTOR WAS HAULING HAY,ONE OF THE HAY BLOCKS FELL IN THE LANE IN WHICH TRAILER WAS TRAVELING, CAUSING A REACTION TO TURN INTO THE GRASS AREA INTO THE GUARD RAIL. MR HAMILTON WAS NOTIFIED FROM THE INSURANCE COMPANY THAT HIS CAR WAS TOTALED. DRIVER'S AIR BAG FAILED TO DEPLOY. *AK