So sorry to read that you're dealing with all of this...I agree that it could be a combination of life events and MS making it difficult to deal with the anxiety.

I had seen several therapists before going to a cognitive behavioral therapist. Best thing I ever did for myself-gave me tools to deal with situations, rather than hashing over what had occurred in my past.

Hope you can also get some help medically for the anxiety. I know that being in a car accident can make being in a vehicle challenging at best...I still flinch every time someone turns right next to me, as I was hit by a right turner who veered into my lane-and my rear fender.

Let us know how you're doing