To dream that you are in an accident, symbolizes the guilt you are carrying with yourself. This guilt might come from something you did in the past and can not forgive yourself. This might be the meaning of you concerning and punishing yourself. If you dream of a car accident, it represents how spiritual you are. The sign of dream could also want you to take things slower and move forward without pushing yourself too hard, because as a result of it, you will not achieve anything you have been expecting. Do not worry, just make sure you know what you are doing at the moment, think twice before you say anything to anyone. If you lose someone you love in an accident, it represents part of you, that is not part of you anymore. It also could symbolize your relation to that person, how important he is to you. This dream could also signifies your actual fear of dying not only in car accidents, but in general. Do not worry, just make sure you are careful.
Read more about dreaming of Accident in other dream meanings interpretations.