CONSUMER'S WAS TRAVELING ON THE HIGHWAY ANOTHER VEHICLE CROSSED OVER INTO CONSUMER'S VEHICLE LANE AND HIT IT HEAD ON. THE DRIVER 'S SIDE SEAT BELT FAILED TO HOLD THE DRIVER IN. UPON IMPACT, BOTH FRONTAL AIRS BAGS DID NOT DEPLOY. DRIVER SUSTAINED HEAD INJURIES. THE AMBULANCE WAS CALLED, BUT THE DRIVER REFUSED TO GO TO THE HOSPITAL BY AMBULANCE. SHE WENT ON HER ON THE SAME DAY. VEHICLE WAS TOWED AND TOTALED BY THE INSURANCE COMPANY. *AK