WHILE DRIVING AT 45 MPH, THE CONSUMER'S VEHICLE WAS TWO CARS BEHIND A STOPPED VEHICLE, MAKING A U TURN. THE FIRST VEHICLE WAS STRUCK IN THE REAR, AND THE SECOND VEHICLE BOUNCED BACK AND COLLIDED WITH THE FRONT OF THE CONSUMER'S VEHICLE. THE CONSUMER AND PASSENGER WERE WEARING SEAT BELTS, BUT THE AIRBAGS DID NOT DEPLOY. ONE PASSENGER SUSTAINED A BRUISED CHEST AND ABDOMEN. *AK THE VEHICLE WAS TOTALED. *SC *JB