WHILE DRIVING AT 40 MPH, THE CONSUMER'S VEHICLE REAR ENDED ANOTHER VEHICLE. THE OTHER VEHICLE WAS PART OF A SIX CAR PILE UP. THE CONSUMER WAS WEARING HIS SEAT BELT BUT THE AIR BAGS DID NOT DEPLOY. THE CONSUMER SUFFERED SEVERE HEAD TRAUMA AND OTHER INJURIES. A POLICE DID ARRIVE ON THE SEEN AND A REPORT WAS MADE. *JB