CONSUMER WAS DRIVING AT APPROX 35 MPH, HEADING NORTH, MIDDLE LANE, ANOTHER DRIVER IN A TRUCK WAS IN RIGHT LANE MADE A U-TURN IN FRONT OF CONSUMER'S VEHICLE, CAUSING CONSUMER TO HIT TRUCK ON LEFT DRIVER'S SIDE HEAD-ON, AIRBAG DID NOT DEPLOY, CAUSED A SERIES OF INJURIES. *AK