DT*: THE CONTACT STATED WHILE DRIVING 35MPH ON A WINDING ROAD, CURVING RIGHT, THE STEERING WHEEL JERKED AND THE VEHICLE TURNED LEFT. THE BRAKES SEEMED STIFF WHEN APPLIED. THE VEHICLE HIT A FENCE AND THE DRIVER SUSTAINED SEVERE INJURIES. THE AIRBAGS DID NOT DEPLOY, ALTHOUGH SEAT BELTS WERE WORN. A POLICE REPORT WAS FILED. THE VEHICLE WAS DEEMED TOTALED BY THE INSURANCE AGENCY, BUT NO DETERMINATION WAS MADE AS TO WHY THE AIRBAGS FAILED TO DEPLOY. HOWEVER, THE INSURANCE AGENCY DID DETERMINE THE ACCIDENT MAY HAVE BEEN CAUSE BY A STEERING OR BRAKE PROBLEM.