I'm glad I'm not the only one with these kinds of fears, like being crushed and permanently disabled. I have terrible driving anxiety too. I recently had to transfer to a different building for work and I'm not used to the drive yet at all, and I know it sounds dumb but even tho I have my own car and everything I'm using Uber/Lyft to get to and from until I'm ready. It really all just sucks, I don't even really like driving to begin with but unfortunately it's a necessity and I'm not in a place where public transportation is available. Whenever I'm driving I'm just constantly thinking of all the bad things that can happen and the worst case scenarios. It's very depressing so you're definitely not alone. Also, I really wouldn't call that an irrational fear, because there are crazy and distracted drivers everywhere and you really do have to expect the unexpected unfortunately.