I had a dream just like that, years ago when we lived in Yorkshire and our kids were little. My husband was driving, Iwas in the passenger seat and our 4 kids on the back seat all in a row, driving home from the swimming baths, a winding country road, it had rianed, and the car lights were dazzling on the wet road. Suddenly on a bend my husband lost control of the car and we ended up in the river, that's when I woke up in an horrendous state of panic.
Weeks later, watching TV, that dream was replayed on a programme about accidents (can't remember what it was called), but it wasn't us and it wasn't our car. I couldn't believe what I was seeing and I can't tell you how badly my stomach was churning watching it. Spooky or what?