CONSUMER LOST CONTROL OF VEHICLE AND HIT A TREE HEAD ON. UPON IMPACT, NEITHER DRIVER'S SIDE NOR PASSENGER'S SIDE AIR BAGS DEPLOYED. ALSO DRIVER'S SIDE SEAT BELT DIDN'T RETRACT. AS A RESULT, CONSUMER'S HEAD HIT THE WINDSHIELD. CONSUMER RECEIVED 17 STITCHES. *AK