WHILE DRIVING AT 50 MPH AND TRYING TO AVOID A VEHICLE THAT STOPPED IN THE MIDDLE OF THE ROAD. THE CONSUMER'S VEHICLE COLLIDED HEAD ON WITH A TELEPHONE POLE. THE CONSUMER WAS WEARING SEAT BELTS, BUT THE AIR BAGS DID NOT DEPLOY. THE CONSUMER SUSTAINED HEAD INJURIES. THE POLICE DID ARRIVE ON THE SCENE AND CITED THE OTHER CONSUMER. *AK *SC