CONSUMER WAS IN A 4 CAR PILE-UP CRASH, HER VEHICLE WAS THE FOURTH CAR. WAS DRIVING APPROX. 20-32 MPH. WEARING SEAT BELT WHEN THE THE CRASH OCCURRED. THE SHOULDER STRAP OF DRIVER SIDE COLLAPSED, ALLOWING CONSUMER'S 110LBS UPPER BODY TO HIT THE STEERING AREA AND WHEEL; THIGHS BRUISED ON ARM REST . *AK