Fearing the Inevitable

There are two things I am afraid of: fire, and death. A waste of a fear, if you ask me...fearing the inevitable. I can picture it sometimes, an out of body experience, of what would happen. When I pull out from an intersection I can see the other car going too fast, I can feel the impact, I can hear the brakes screaching, glass breaking. And then, the moment's gone and I realize I'm still driving, and things are fine. It happens differently, but the end result is the same.
I guess I should have a stronger faith in God, or I wouldn't be afraid of dying. But I don't. I'm not certain that I would go to Heaven. Because I'm pretty screwed up, and I could have committed some sin my heart is okay with. I can't feel God's presence in my life...and so it makes me question everything. I'm basing my entire life on this one thing, and it just feels so empty.
I guess my fear of fire is a logical secondary emotion; all the fire and brimstone of hell, of course. The pain associated with fire is much more intense. There is pain and total destruction. Fire seems to have it's own spirit and it destroys all in it's path. I'm terrified of my house burning down. Worse, of experiencing it happening. Of being trapped, in your own home, with no escape.