While driving around a curve the tire locked up and I was unable to turn and we ended up in the ditch. There was no collision. Myself and my child could have been seriously injured in this accident. 6 airbags deployed. Apon inspection the fender liner appears to have ripped off the back of the fender well and lodged into the top of the tire and the top front of the wheel well. Pheonix collision had to cut the liner from the car in order to release the tire. The police believed the accident was cause by the wheel well liner as well as pheonix collision. Vehicle was inspected on the scene by the springfield police. Vehicle was also inspected by Pheonix collision in springfield Illinois. There were no warning lights, messages or other symptoms before the accident. Due to this accident my car has almost $19,000 in damages. The passenger side of the vehicle has a few dents from going in the ditch and the front grill had a few broken pieces. There is no damage to the driver side of the vehicle where the felt liner locked up the tire. I have seen numerous people complain how the liner sags down or tears. I didn't notice the liner hanging down or any damage to the liner prior to the accident.