I WAS TRAVELING AT ABOUT 35-40 MPH ON A 4 LANE CITY ROAD & A TRUCK PULLED IN FRONT OF ME FROM A SHOPPING CENTER ON OPPOSITE SIDE OF ROAD FROM WHICH I WAS TRAVELING WITHOUT STOPPING IN CENTER MEDIAN CROSSOVER. I HIT BRAKES BUT I HAD NO TIME TO STOP. I'M NOT SURE THE BRAKES EVEN WORKED AS THERE WERE NO SKID MARKS FROM BRAKING. THE FRONT DRIVER SIDE OF MY CAR HIT HARD & ALSO DAMAGED DRIVERS SIDE WHEEL WELL, FENDER PANEL. MY AIRBAG DID NOT DEPLOY AND MY HEAD COLLIDED WITH THE STEERING WHEEL. IT RESULTED IN MY HAVING A CONCUSSION, WHIPLASH, A FRACTURE IN MY NECK, SHOULDER PAIN & NERVE ISSUES IN MY ARMS & HANDS, BACK & HIP PAIN. I KNOW IF THE AIRBAG HAD DEPLOYED I WOULDN'T HAVE SUFFERED ALL THE PHYSICAL ISSUES. THIS ALL HAPPENED JAN. 11 & I STILL HAVE PAIN. THE CAR IS A TOTAL LOSS.