DT*: THE CONTACT STATED WHILE TRAVELING 20 MPH, WITH PRIOR BRAKING, THE VEHICLE STRUCK A TREE. WHEN THIS OCCURRED, THE AIRBAGS DID NOT DEPLOY. THE FRONT CENTER OF THE VEHICLE WAS DAMAGED AND THE VEHICLE WAS TOWED TO A SALVAGE YARD. THERE WAS A POLICE REPORT TAKEN AT THE SCENE. ALTHOUGH THE SEAT BELT WAS WORN, THE DRIVER SUSTAINED A FRACTURED NECK. THE MANUFACTURER SENT A REPRESENTATIVE WHO DETERMINED BASED ON THE SPEED AND DAMAGE, THE AIRBAGS SHOULD NOT HAVE DEPLOYED. THE INSURANCE COMPANY DEEMED THE VEHICLE TOTALED.