I've had that backseat driving one a lot, and it tends to come and go throughout my life.

Sometimes I'm alone in the car. Other times there is someone else in the front but they are incapacitated, or unwilling to bring the car back under control. I'm usually alone, though.

On a few occasions I was able to climb into the front seat, but of course then the brakes either did nothing or were so ineffectual that trying to use them to slow down only distracted me and made matters worse.

I am not a psychologist nor a mind reader.. but

(1) do you have a feeling that you have control of your own life? Maybe it feels that you are in a prison where "your hand is forced" and you cannot take own decisions, have to play the bad hand you received

(2) are you doing something risky, like working in a failing start up? Or a company thay is going towards bankruptcy?

I have one a lot where I’m driving on a narrow curvy overpass with no guardrails and I fall off, what’s worse my loved ones are with me

Wow I have had a dream very similar quite a few times. I'm driving on some very unstable road, often made of sand and the car falls into the lower levels of that road, getting stuck... Sometimes it's a curvy bridge the car needs to climb and it constantly tends to fall off. I thought the school exams were the only common dreams that I had, but at appears that similar ones to this one is dreamt by others too!

Yeah it’s very surreal, during the dream I realize that hmm, this is pretty dangerous, but am still somehow casual about it, and then I don’t complete the turn and the car starts plummeting down and I start saying I love yous and I wake up

It really sucks lol