I think I figured it out. And it is mod related. And it was the last mod I added, which was later than all the others (although I have been playing with it for some time now, just not as long as the others).
I remembered where it happened this last time, and just now, as I got to the same place, I noticed it was where one of the hold markers was, which a mod places. It didn't crash (or end) this time, so when I got near where it happened last time I began looking closely at my surroundings and realized the hold marker was there and then remembered I did add that mod much later than all the others.
Not 100% sure, but boy it would explain some things since it seems like every time it happens it's when I'm travelling on a road, and the hold markers are placed along roads.