APPROACHING STOP LIGHT ON SURFACE STREET; DRY CONDITIONS, FLAT ROAD; APPROX 30 MPH; ANTICIPATING STOPPING. LIFT FOOT OFF ACCELERATOR AND APPLY BRAKES TO SLOW DOWN; CAR DOES NOT SLOW; FEELS OUT OF CONTROL & UNABLE TO STOP; TURN CAR TO RIGHT TO GET OFF ROAD TO AVOID HITTING CARS AHEAD; TURN INTO A TREE; AIRBAG DEPLOYED; CAR TOTALED; EMERGENCY VEHICLES RESPOND; AMBULANCE TO HOSPITAL; BROKEN L-2 IN BACK; SEVERE BRUISING; AT MY REQUEST, VEHICLE INSPECTED BY INSURER; HAVE NOT SEEN INSPECTION REPORT; REPORTED TO ME THAT "BRAKES HAD PRESSURE AND FLUID"; AFTER SEEKING ADVICE FROM ACCIDENT EXPERT, NOT CONFIDENT VEHICLE INSPECTION WAS THOROUGH ENOUGH; AM ABSOLUTELY SURE THERE WAS A MECHANICAL FAILURE OF SOME TYPE DUE TO CIRCUMSTANCES OF ACCIDENT (I.E., ENOUGH TIME TO CORRECT ANY DRIVER ERROR). *NM