While it is common to dream of being out of control of a vehicle as a metaphor for being out of control in ones life it's more common and universally true that scary(ish) reoccuring dreams of any sort are your brains way of helping you work through what you would do in a bad situation... that you may be anxious about or not consciously aware of.
The fear dream is an inherited feature of dreams and have allowed mankind to work through problems and prepare themselves for all manner of bears, wolves, starvation, being lost, and losing loved ones. It is suspected that this is in fact the evolutionary purpose behind dreams.. doing so helped you to survive.
The good news is that no, this is not fortune-telling and does not mean that you ARE going to be in a bad situation.. the BETTER news is that, should it actually happen, you will be more calm for having had lived through it previously in a dream state.