CONSUMER WAS IN TWO DIFFERENT ACCIDENTS AND THE DRIVER'S SIDE SEAT BELT RETRACTOR LOCKED UP AND SNAPPED HER CHEST . *AK VEHICLE WAS HIT ON RIGHT FRONT WHEEL, WHILE COMING OUT OF A PARKING LOT, ALSO ON ANOTHER OCCASION A CAR STOPPED IN FRONT OF CONSUMER AND CONSUMER HIT VEHICLE FROM THE REAR, AND SEAT BELT LOCKED CONSUMER SUFFERED INJURIES.*JB