Headache racks: Do you currently have car insurance? Insurance is mandatory to drive in Ohio Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question Headache racks: Answers Are illegal. Help protect the driver from the cargo. Allow for increased cargo space. Explanation Front-end header boards, also known as "headache racks," protect the driver from cargo moving in the event of a crash or emergency stop. This questions appears in the following tests: Minnesota Class A Knowledge Test Missouri Class B Knowledge Test Oklahoma Class A Knowledge Test