DT*: WHILE DRIVING THE CONTACT'S HUSBAND ENCOUNTERED AN AREA OF BLACK ICE. THE VEHICLE SPUN AROUND, HITTING A TELEPHONE POLE, AND THEN CRASHING INTO AN EMBANKMENT. UPON IMPACT, NONE OF THE AIR BAGS DEPLOYED. THE FRONT OF THE VEHICLE WAS DAMAGED. ALTHOUGH THE CONTACT'S HUSBAND WAS WEARING A SEAT BELT HIS HEAD WENT COMPLETELY THROUGH THE WINDSHIELD. HE SUSTAINED FACE AND HEAD INJURIES. A POLICE REPORT WAS TAKEN AT THE SCENE. THE INSURANCE COMPANY EVALUATED THE VEHICLE AND IT WAS DEEMED A TOTAL LOSS. *AK