MY VEHICLE WAS MOVING THRU INTERSECTION WHEN ANOTHER VEHICLE RAN A RED LIGHT. I HIT THE BRAKES, BUT STILL CRASHED INTO SIDE OF OTHER VEHICLE AT 20-25 MPH. MY VEHICLE HAD FRONT END DAMAGE AND WAS A TOTAL LOSS. I WAS WEARING A SEAT BELT, BUT IT DID NOT HOLD ME TO THE SEAT. I HIT THE STEERING WHEEL WITH MY CHEST AND HAD TO GO TO HOSPITAL FOR X-RAYS. ALSO, THE STEERING WHEEL AIR BAG DID NOT DEPLOY. THE DEALER SAID I WAS NOT GOING FAST ENOUGH TO DEPLOY AIR BAG. THAT IS NOT TRUE. *TR