CONSUMER WAS DRIVING ATAPPROXMATELY 60 MPH WHEN A WHEEL THAT HAD FALLEN OFF A 18 WHEELER STRUCK CONSUMER'S VEHICLE HEAD ON ,CAUSING THE CONSUMER TO MOVE TO SIDE, HITTING 2 GUARDRAILS AND PICKUP TRUCK. AIRBAGS ON BOTH SIDES DID NOT DEPLOY, CAUSING DRIVER CUTS ON TOP OF HEAD/SEVERE BRUISING. HIT REARVIEW MIRROR AND WINDSHIELD. PASSENGER RECEIVED CUTS ON HEAD/BROKEN RIBS, AND PUNTURED LUNGS. *AK