I was part of a support group many years ago and we had a young man in our group with your fear. I remember the dr telling him that people who did the things he feared, had no fear of doing them. I remember the smile that came across his face and he never spoke of it again. I hopes this helps.
Are you afraid of hurting the people in your car in an accident? Or are you afraid you're going to cause an accident and hurt other people in their cars? I used to feel a huge responsibility when I drove with others in the car. Kind of like their lives were in my hands. Now I don't drive anymore.