I WAS DRIVING HOME FROM WORK ON A MONDAY NIGHT, I HAD MY PHONE IN THE FRONT SEAT WITH ME AND I HAD HEARD IT GO OFF A FEW MOMENTS EARLIER. I LOOKED OVER QUICKLY AT THE PHONE TO SEE WHO IT WAS,I QUICKLY LOOKED BACK AT THE ROAD, I WAS NOT ABLE TO STOP QUICK ENOUGH AND I HIT THE YOUNG LADY IN FROM OF ME. I WAS GOING ABOUT 40 MPH WHEN I HIT HER AND THERE IS SUBSTANTIAL DAMAGE TO MY CAR. WHAT REALLY PUZZLED ME WAS THAT MY AIRBAG DID NOT DEPLOY, EVEN WITH AN IMPACT AS BIG AS THIS ONE. I HAVE SUSTAINED A FEW INJURIES BECAUSE OF THE LACK OF AIR BAG. *TR