WHILE DRIVING AT 50 MPH ON A COMMERCIAL STREET ANOTHER VEHICLE TURNED DIRECTLY IN FRONT OF CONSUMER'S VEHICLE AND THE CONSUMER'S VEHICLE COLLIDED WITH THE RIGHT FRONT OF THE OTHER VEHICLE THAT WAS MAKING THE TURN. THE CONSUMER WAS WEARING A SEAT BELT AT THE TIME OF THE COLLISION, BUT THE AIR BAGS DID NOT DEPLOY. VEHICLE WAS TOTALED. CONSUMER DID SUFFER SOME LOWER BACK PAIN THE NEXT DAY, BUT DID NOT HAVE TO BE HOSPITALIZED.*AK *TS *JB