DRIVING HOME FROM WORK ON PAVED 2 LANE ROAD AT 45 MILES PER HOUR. DRIVER'S SIDE CURTAIN AIRBAG AND SIDE AIRBAG ACTIVATED/INFLATED WITHOUT WARNING OR APPARENT CAUSE. REGAINED CONTROL OF THE CAR, BARELY AVOIDING A HEAD-ON COLLISION. DOCTOR'S VISIT 4/28/04 RESULTED IN A DIAGONSIS OF POST TRAUMATIC STRESS RELATED ISSUES (FOGGY HEAD, UNABLE TO FOCUS, HEADACHE, ETC...). CAR DEALER (SERVICE DEPT) PHONE CALL 4/28/04 STATED THAT INCIDENT IS NOT COVERED UNDER WARRANTY, AS THE AIR BAG SENSOR WAS TRIPPED BY SOMETHING THAT STRUCK THE CAR FROM UNDERNEATH. CAR DEALER (SERVICE DEPT) ALSO STATED THAT A SUDDEN DECREASE IN SPEED WOULD HAVE ALSO BEEN NEEDED TO CAUSE THE AIRBAGS TO RELEASE. THE COST OF REPAIR IS APPROX. $3000 - INSURANCE ESTIMATORS ARE TO EVALUATE TODAY. THE CAR'S OWNER'S MANUAL AS WELL AS SUPPLEMENTAL LITERATURE SUPPLIED AT THE TIME OF PURCHASE STATE THAT THE SIDE AIR BAGS OFFER PROTECTION DURING "MODERATE TO SEVERE SIDE IMPACT".