WHILE DRIVING THE BRAKES LOCKED-UP RESULTING IN A HEAD-ON COLLISION AT APPROXIMATELY 55 MPH. AFTER THE VEHICLE CAME TO A COMPLETE STOP THE CONSUMER UNBUCKLED THE SAFETY BELT AND USED HER BODY TO SHIELD HER GRANDSON SITTING IN FRONT PASSENGER SEAT. THE PASSENGER AIR BAG THEN DEPLOYED AND BROKE CONSUMER'S NECK UPON IMPACT. *NLM