WHILE DRIVING ANOTHER VEHICLE CROSSED OVER INTO CONSUMER'S VEHICLE LANE AND HIT THE NISSAN HEAD ON. UPON IMPACT, BOTH AIRBAGS DID NOT DEPLOY, AND THE DRIVER 'S SEAT BELT SHEARED OFF DURING THE COLLISION. THIS CAUSED THE DRIVER TO BE EJECTED FROM THE VEHICLE. IT THEN CRASHED INTO THE CONCRETE BARRIER. PASSENGERS SUSTAINED MINOR INJURIES, AND WERE TRANSPORTED TO THE HOSPITAL BY AMBULANCE. THE DRIVER WAS DOA. VEHICLE WAS TOWED AND TOTALED BY THE INSURANCE COMPANY. THIS INFORMATION WAS FURNISHED BY THE WIFE. *AK