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A theoretical, mathematical, risk assessment procedure was developed to estimate the fraction of drivers that incurred head and thoracic AIS3+ injuries in full-engagement frontal crashes. The estimates were based on numerical simulations of various real-world events, including variations of crash severity, crash speed, level of restraint, and occupant size. The procedure consisted of four steps: (1) conduct the simulations of the numerous events, (2) use biomechanical equations to transform the occupant responses into AIS3+ risks for each event, (3) weight the maximum risk for each event by its real-world event frequency, and (4) sum the weighted risks. To validate the risk assessment procedure, numerous steps were taken. First, a passenger car was identified to represent average field performance.