CONSUMER WAS DRIVING APPROXIMATELY 35-45 MPH WHEN ANOTHER VEHICLE PULLED OUT. CONSUMER SWERVED/LOST CONTROL AND RAN INTO A YARD, HITTING A BIG TREE. SHOULDER SEAT BELT STRAP DID NOT LOCK. CONSUMER'S CHEST HIT STEERING AS STEERING WHEEL BROKE DOWN AND WENT INTO THE DASHBOARD. CONSUMER'S HEAD HIT THE WINDSHIELD AND CRACKED IT. PICTURES ARE AVAILABLE. AK