CONSUMER WAS TRAVELING ABOUT 40MPH ON THE HIGHWAY A DOG RAN IN FRONT OF VEHICLE. TRYING TO AVOID HITTING THE DOG, VEHICLE JUMPED AND CROSSED THE ROAD, LANDING IN A DITCH. VEHICLE WAS STRADDLING INSIDE THE DITCH , AND WAS TRYING TO GET BACK ON THE ROAD. CONSUMER WAS AFRAID TO PUT ON BRAKES, AND VEHICLE LOST CONTROL, WENT INTO A DRIVEWAY, AND HIT A TREE. FRONT END OF VEHICLE WAS EMBEDDED IN THE TREE. UPON IMPACT, DRIVERS SIDE AIRBAG DIDN'T DEPLOY. CONSUMER HAS FORTY STITCHES ON HIS FACE, AND A CRACKED RIB. *AK