WHILE DRIVING 40 MPH THE VEHICLE HIT A LARGE PATCH OF DEEP SLUSH WHICH PULLED THE VEHICLE OFF THE ROAD. AS A RESULT THE VEHICLE HIT A TREE HEAD ON. THE VEHICLE AIR BAGS DID NOT DEPLOY AND THE SEAT BELT DID NOT PROPERLY RESTRAIN THE DRIVER. THE DRIVER HIT HER HEAD ON THE DASH AND EXPERIENCED SWELLING IN HER LEFT KNEE, A STIFF NECK, HEADACHES AND BRUISING OF THE LEFT LEG AND FOREARM. THE MANUFACTURER INDICATED THE AIR BAGS PERFORMED AS DESIGNED SINCE THE DAMAGE TO THE VEHICLE WAS CENTERED ON THE LEFT SIDE OF THE VEHICLE. *MR *NLM *JB