How is it kinetic energy? During a crash, you try to decrease impact force which aims to increase time. Since this is related to impulse(which is change in momentum), I picked momentum should be absorbed.
I think it's kinetic energy. Like the change in velocity is constant for both you and the car since you both go from x-0, with the car obviously having more momentum cause of it's mass, it's just you experience it differently. Even if the car softened the blow with airbags, you're still going from x-0, so you're right to say the force will be less because of the impact time. But it doesn't exactly absorb the momentum, like it isn't taking some of your momentum and somehow putting it into the surrounding objects. You are still after the collision. Your kinetic energy however, instead of being used to deform your bones is deforming the car, which makes more sense.
Or I might just be wrong entirely

. Let's see what the solutions are.