II WAS IN A ACCIDENT AND MY SEATBELT DID NOT LOCK NOR DID THE AIRBAGS DEPLOY. I REARENDED SOMEONE AT 25MPH. THEY WERE STOPPED ON THE FREEWAY. SO IT WAS A FAIRLY HARD HIT. I FRACTURED MY STERNUM,AND BRUISED CHEST,THERE WAS A BIG LUMP IN MIDDLE OF BREASTBONE. CURRENTLY UNDER A CARDIOLOGIST FOR SEVERAL TESTS ON HEART. MY OUT OF POCKET EXPENSES WAS $5,281 DOLLARS,HERS WAS MINIMAL. I AM JUST LUCKY I AM NOT DEAD AND SHE WAS NOT HURT. *TR