FIRST INSTANCE, WHILE DRIVING SLIPPED ON ICE, HIT HEAD FIRST INTO GUARD RAIL, DRIVER'S AIR FAILED TO DEPLOY, DRIVER SUSTAINED 3 CRUSHED DISCS IN BACK/BROKEN FINGER. IN SECOND INSTANCE, WHILE DRIVING AT 57 MPH, VIOLENT DEPLOYMENT OF PASSENGER'S AIR BAG, DISTRACTED DRIVER, CAUSING A MAJOR COLLISION. PASSENGER SUFFERED A BROKEN NECK AND DIED. *AK