MY HUSBAND WAS GOING ABOUT 35 MPH WHEN A TRUCK PULLED OUT IN FRONT OF HIM. HE COULD DO NOTHING BUT HIT HIM ALMOST STRAIGHT ON (T-BONE). HE DID APPLY THE BRAKES AND WAS WEARING HIS SEAT BELT BUT STILL CRUSHED HIS STERNUM ON THE STEERING WHEEL. THE AIR BAGS DID NOT DEPLOY! HE HAS BEEN IN TERRIBLE PAIN AND WAS VERY RELIEVED HE DID NOT HAVE MORE SERIOUS INJURIES. ALTHOUGH I THINK HIS IS QUITE SERIOUS!*JB