I have a lot of things in "Irrevocable Trusts"

No one plans to be in an accident, that is why it is an accident. It also serves the same purpose to insulate your family if you are in an auto accident. It gets very complicated on how this works, so just go consult with an attorney.
I can tel you some say you are paranoid, whereas I say it is just being smart. Do not leave you family with a mess if you can avoid it. That is my mantra.