WHILE DRIVING AT 45 MPH ON ICY ROAD CONSUMER LOST CONTROL OF THE VEHICLE, AND IT COLLIDED HEAD ON WITH AN EMBANKMENT. UPON IMPACT, AIR BAGS FAILED TO DEPLOY. CONSUMER WAS WEARING SEAT BELTS. CONSUMER'S HEAD STRUCK THE STEERING WHEEL, REQUIRING SEVERAL STITCHES. POLICE ARRIVED, BUT NO ONE WAS CITED. *AK