I just wanted to let you know that ever since you first asked this question re: the actress in the Toyota head injury commercial, I've been researching it for you, and have come up empty. It's been 'bugging' me, as I'm sure it's been bugging you!
The fact that you keep adding info re: other commercials she has been in, is very helpful! I've researched them all. I'm not sure if all the women in these commercials are the same one, as in the most recent, the Toyota one, in my opinion, the woman seems a little 'older'. In any case, I've come up with a name and picture, but am not positive if this is the actress. Her name isXXXXX (also known as Monica Lacey/Monica Lacy) and she is one of three sisters (triplets), who have also been in TV shows and movies.http://www.imdb.com/name/nm0187253/
She is also credited with being in a Swiffer commercial, Progressive Insurance commercial, and one for 1-800-COLLECT (with Mr. T, in 2001).
If this is not the actress you were thinking of, please let me know and I will continue to try to research this further for you.
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Edited by Cher on 12/2/2010 at 4:26 AM EST