What does a near death in horrific car accident dream mean?

I had a dream last night that I was following my boyfriend on a busy freeway and I was driving my Scion XB during the time of me following him I had lost sight of him. I called him to find out where he went and as soon as I hung up the phone I lost...

control of my car and flipped it and ended down in a ditch near a railroad track.. the top of my scion was completely ripped off I was laying in front of my car with the top of my car next to me... I'm whining "heeelp.. somebody help me!!! I was all cut up and couldn't move my legs were twisted in ways they shouldn't be I had huge gashes in my face/head and I was going in an out of consciousness... Finally I faintly see people running down to me screaming but I can hear a word there saying while 3 people make sure I'm ok and do what ever they can to help me while one person was on the phone calling 911 then I slowly black out... I then woke up right away shaking my heart was pounding and I was kinda sweaty I couldn't fall back asleep for a while... So what could this mean... can it be a Premonition, or an out of body experience?

It means watch out for the dangers of cell phone use while driving(I think the government is making us dream this to be more careful and to obey the new law lol ) =P
sorry if it sounds insensitive but I really think thats what the dream might mean