ON JANUARY 30, 2002, I WAS IN A CAR ACCIDENT ON INTERSTATE 78 EXPRESS. I WAS GOING ABOUT 65-70 MILES PER HOUR IN THE RIGHT LANE. A CAR MERGING INTO TRAFFIC CROSSED OVER THE HAZARD LINES AND I SWERVED TO AVOID HITTING THE CAR. I WAS DRIVING A 2001 MITSUBISHI GALANT ES. MY CAR BEGIN TO SPIN AND I DROVE INTO THE GUARDRAIL, BUT MY AIRBAGS DID NOT INFLATE. MY ENTIRE FRONT END IS DAMAGED. MY INSURANCE COMPANY, SELECTIVE INSURANCE, CONSIDERS MY CAR TO BE A TOTAL LOSS.*AK