Dreaming about being in a car accident is sometimes a sign that you feel your life is out of control and that you are concerned about the decisions you are making. Are you going in the right direction? Are you heading for disaster? Please also see Crash.
If you dream about a loved one being in an accident, this can be a sign that there is something unhealthy about your relationship and you need to resolve this or otherwise risk losing the relationship altogether.
If you dream that you are in a general accident or prone to accidents this symbolizes a feeling of guilt or shame about something you have done which you are trying to punish yourself over.
It could also be that your subconscious has realised an error you have made in your waking life and is warning you to be wary.