DURING A FRONTAL-IMPACT ACCIDENT, THE DRIVER AIRBAG FAILED TO DEPLOY UNTIL AFTER I HIT THE STEERING WHEEL. I THEN SAW THE PASSENGER AIRBAG DEPLOY. NEITHER THE SEAT BELT NOR THE AIRBAG STOPPED ME FROM HITTING THE STEERING WHEEL CAUSING CHEST WALL CONTUSIONS AND MUSCLE STRAINS IN CHEST AND BACK. I'M STILL OUT OF WORK DUE TO THE INJURIES. THE CAR WAS TOTALED.*AK