CONSUMER WAS DRIVING ON A WINDING ROAD DOING THE SPEED LIMIT WHEN ANOTHER VEHICLE PULLED OUT IN FRONT AND CAUSED A COLLISION. CONSUMER'S VEHICLE T-BONED THE OTHER VEHICLE. IN A DELAYED REACTION, THE AIR BAGS DEPLOYED. THIS CAUSED DRIVER TO SUSTAIN MAJOR CHEST INJURIES. ALSO, TWO OTHER PASSENGER'S SUSTAINED INJURIES. *AK *TT