Driver lost control of vehicle and slid along fence to hit a tree stump. Driver airbags went off in time and driver was unscathed. Passenger remembers seeing tree hit car (vision was not obscured by deployed airbag). Passenger was seriously injured and needed airlift to local trauma center. Car was hauled by H&H towing of Gunnison, CO No lights prior to accident. No inspection by manufacturer. No confirmed reproduction by dealer/service center. Attached are police report and detailed report from driver, explaining scenario and injuries sustained.