Unless there’s been contact between their head and the steering wheel or a window, we find that most people answer “no” without giving the question much thought. But stop for a moment-did your head snap forward and then back, so that it struck the headrest? Did your airbag go off in your face? If your hands were on the steering wheel when you were hit, did your hand or wrist get jammed? Did you hit your knee against the dashboard, or your foot against one of the pedals? If you remember them, these “contacts” between your body and “any part” of your vehicle should be described to the insurance company.