Happiness is not about the absence of troubles but the skill to overcome them

I had a minor car accident 2 days ago, 1.5 days ago, to be more precise. It was a small one, probaby 50/50. I will never know because the other person, a moped driven by a young man (boy) refused to file a report or call the police. I filed a pre-plainte with the police. My husband is going to call the insurance company today. But he is leaving for a vacation with the kids this morning, in the car with which I had an accident. There is only a foot wide dent (and a couple of smaller ones) on the front door, and a scratch mark on the back door of the passenger side. Doors close fine.

Since then, I have trouble eating and thinking. Apparently, I am a very fragile person. I consider possible outcomes, negative and bad, from this accident and these thoughts frighten me.

My husband can have a bigger accident... a door flies open while driving on highway throwing my daughter out. The wheels come out. The scooter driver, the kid, has suffered a bigger injury than he had originally reckoned. The kid has a mean streak and comes back to torment me. The list goes on.
 Added to the regular list of difficulties, albeit all First-world kinds, I cannot sleep normally and I cannot swallow much.  

The fortune cookie telling me that my happiness depends on my ability to overcome them does not reassure me the least. I don't want to overcome any trouble right now.  I don't want any, really, I don't. If anything goes wrong with my husband's driving and results in injury and or loss of lives of my family members, I will not be able to overcome such a trouble. It's not a trouble. It's not a challenge. It will be a tragedy of the worst kind and I will not even pretend to overcome.

I wish I believed in God, a sort of God that can interfere and protect people from suffering just because they prayed for it. I don't. Not that kind of God, at least. Not sorts of God depicted by world's major religions. But for this particular trip, I fear for their safety and this makes me want to pray for the lack of better ideas to calm me down. Please protect them.

For all other problems, or troubles, rather, I will overcome them. I am a very happy person with a reasonable list of difficulties in life.