WHILE DRIVING AT 30 MPH THE CONSUMER ENTERED A ONE WAY STREET THE WRONG WAY. THEN, CONSUMER'S VEHICLE COLLIDED WITH ANOTHER VEHICLE HEAD ON. CONSUMER WORE SEAT BELTS, BUT AIR BAGS FAILED TO DEPLOY. UPON IMPACT, DRIVER SUSTAINED INJURIES, AND THE POLICE DID MAKE A REPORT. VEHICLE WAS TOTALED IN THE COLLISION.*AK