I was in a terrible accident when I was 18; being towed when my engine froze and a drunk hit us from behind going over 90 mph; my car blew up; three old ladies in the back seat and I could not get out. Finally broke a window and crawled out. (Got my grandmother and her friends out too.) I have no memory of the impact but know I turned around and watched the SOB plow into us. I still have an occasional nightmares 51 years later! Although I've never completely gotten over it, I forced my self to drive. To this day, I would rather drive than ride with others. Hope you eventually lose your fear but it's understandable.