I WAS DRIVING DOWN A RESIDENTIAL STREET IN MY 1996 HONDA CIVIC WHEN A 2004 GMC YUKON SUV CAME HURLING AROUND THE CORNER OF AN INTERSECTING STREET AHEAD OF ME. THE DRIVER OF THE YUKON FAILED TO STAY IN HIS LANE AS HE ROUNDED THE CORNER AND HIT MY HONDA CIVIC HEAD-ON. UPON IMPACT MY HEAD HIT THE WINDSHIELD SO HARD THAT IT LEFT A BUBBLE PROTRUDING OUT ON THE DRIVER SIDE OF MY WINDSHIELD. IN THE SHAPE OF MY HEAD ( I HAVE PHOTOS OF WINDSHIELD DAMAGE) RIGHT BEFORE THE AIRBAG DEPLOYED. I WAS ALSO WEARING A SEAT BELT WITH SHOULDER RESTRAINT. AS A RESULT OF THE COLLISION I SUSTAINED A BRAIN CONCUSSION. I HAVE ALWAYS BELIEVED THAT A DRIVER SIDE AIRBAG AND SEAT BELT WITH SHOULDER RESTRAINT WAS DESIGNED TO KEEP MY HEAD OUT OF THE WINDSHIELD IN THE EVENT OF A HEAD-ON COLLISION. EVIDENTLY BOTH THE SEAT BELT AND AIRBAG FAILED TO PROTECT ME FROM HITTING THE WINDSHIELD IN THE COLLISION I WAS IN. (I HAVE A COPY OF THE POLICE REPORT AND PRESENTLY AM STILL IN POSSESSION OF MY TOTALED OUT VEHICLE. *TR