CONSUMER WAS DRIVING NORTH ON A HIGHWAY AT ABOUT 30 MPH WHEN ANOTHER VEHICLE LOST CONTROL COMING SOUTH AND COLLIDED HEAD ON WITH CONSUMER'S VEHICLE. CONSUMER WAS WEARING SEAT BELTS, BUT THE AIR BAGS DID NOT DEPLOY. CONSUMER SUSTAINED A SLIGHT STERNUM FRACTURE AND OTHER MINOR BRUISES TO THE ARMS AND NECK. THE POLICE ARRIVED BUT NO ONE WAS CITED AT THE TIME. *AK