CONSUMER WAS INVOLVED IN AN ACCIDENT, HITTING A DITCH WHEN DRIVING AT 30-32 MPH. DRIVER SIDE SEAT BELT FAILED TO RESTRAIN DRIVER, SEAT BELT FAILED TO LOCK UP WHICH FORCED DRIVER OVER STEERING WHEEL. DRIVER SUSTAINED INJURIES TO NECK AND BACK. *AK CONSUMER HAS NOT BEEN TO WORK FOR OVER ONE YEAR DUE TO INJURIES SUSTAINED IN ACCIDENT. *SLC