WHILE DRIVING IN HEAVY RAIN VEHICLE HIT A LARGE PUDDLE OF WATER. VEHICLE HYDROPLANED AND HIT CONCRETE RETAINING WALL. AIR BAGS FAILED TO DEPLOY. PASSENGE RSUFFERED INJURIES BECAUSE SEAT BELT SLIPPED FROM HER LAP TO THE STOMACH. 524758 DUP OF 524239, POSTED ON 30-SEP-98. *AK