WHILE DRIVING 65 MPH VEHICLE HIT WATER/SLID, AND VEHICLE THEN VEERED TO RIGHT INTO DITCH, AND HIT A CONCRETE CULVERT HEAD ON. NEITHER AIRBAG DEPLOYED, CONSUMER SUFFERED MINOR INJURIES. VEHICLE WAS TOTALLED.*AK CONSUEMRS WIFE LOST A PIECE OF HER INDEX FINGER. CONSUMER FEELS THE DRIVER SIDE AIR BAG SHOULD HAVE DEPLOYED. *JG