CONSUME R WAS TRAVELING ON HIGHWAY AND THERE WAS ICE ON THE ROAD. HE WAS GOING AROUND A TRUCK, AND CONSUMER'S VEHICLE SKIDDED INTO A TREE, VEHICLE BOUNCED OFF THE TREE AND VEERED INTO AN ENBANKMENT. UPON IMPACT, FRONT AIR BAGS FAILED TO DEPLOY. ALSO, VEHICLE HAD TWO FLAT TIRES. *AK