LTR WAS SENT DATED 1/29/02 W/ACCIDENT RPT. INJURY WAS FRACTURED STERNUM. AS I CHANGED LANES AT FREEWAY SPEED THE TRAFFIC IN THE LANE I ENTERED STOPPED. I BRAKED HARD BUT COULD NOT AVOID HITTING THE VEHICLE IN FRONT OF ME. THE AIRBAG DID NOT DEPLOY AND THE SHOULDER RESTRAINT DID NOT LOCK (IT NEVER HAS AND I DIDN'T REALIZE IT SHOULD). I WAS WEARING THE LAP AND SHOULDER BELTS. THE LAP BELT HELD ME IN PLACE, BUT MY UPPER BODY HIT THE STEERING WHEEL. I HAD DAMAGE REPAIRS DONE AT A 21ST CENTURY INS RECOMMENDED SHOP. I HAVE NOT HAD ANY MODIFICATIONS TO THE BELTS OR AIRBAG SINCE THE ACCIDENT IN CASE IT NEEDS TO BE ANALYZED BY NHTSA, & ONLY SATURN OF TORRANCE HAS EVER SERVICED MY CAR SINCE PURCHASE (EXCEPT FOR DAMAGE REPAIR FOR THIS ACCIDENT).*AK