I meant to reply to this but never got around to it. OP hasn't been around recently anyways, so I guess there's no harm in putting my reply here instead of there.
A possible debunk - this could be explained by a series of identity dissociative events. For example, dissociating while driving the car and being on the phone with the friend. So the main self remembers taking to the friend but not necessarily the driving aspect (they just know that they were driving, but it's kind of in the background). And this part isn't immediately aware of the car accident. The other part, that's doing the driving, is aware, and even tries to send a message by imaging that the OP is seeing signs of a car accident from the outside.
Eventually the disassociation ends, and the OP is then shocked to discover the situation she is in.
OP being unharmed? That's incredibly lucky and fortunate - but it need not be anything more than good luck and fortune.
The bit about the letter is even easier to explain with dissociation: it was the OP who removed the letter from the mailbox and put it in the bedroom, but while dissociated (and thus doesn't remember doing so). Later OP luckily rediscovers the check at the right moment.
The debunk of the car accident though doesn't work if someone was in the car with OP, or watching OP's car the whole time. The other person probably wouldn't have a dissociative event at the same time, and even if that did happen, it's so improbable that both would imagine the same experience at the same time that we could call it impossible.
But being on the phone is different - OP might have accidentally muted and unmuted the phone at just the right moments so that no one on the other end heard anything from it, and being dissociated at the time could then just carry on the conversation like nothing happened.
It's telling that no one on the scene who helped saw what happened - if the debunk is right they would have seen OP talking on the phone, then having the accident, then continuing to speak on the phone.
One other way this debunk fails - if someone saw OP speaking on the phone and discussing or mentioning the accident - while there's visual confirmation that OP is away from/not yet at the accident, because the OP can't be discussing the accident before it happens.
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