Originally Posted by Juilan

"To dream of a car accident, symbolizes your emotional state. You may be harboring deep anxieties and fears. Are you "driving" yourself too hard? This dream may tell you to slow down before you hit disaster. You need to rethink or re-plan your course of actions and set yourself on a better path."

from dreammoods.com

A more literal translation could be your straightforward fear of being an actual physical accident. You may be nervous about getting behind the wheel.