What Causes Phobia Towards Driving?

yes my question is . is that i am afraid to drive. I just started a job . i cant keep having this go on. this problem has gotten worse to the point where i will get a ride with a neighbor or take a cab which i cant keep doing cause my husband then has to pick me up and he is getting very upset. what do i do. do i need to check myself in somewher cause this is not getting any better