Dreams about crossing streets and encountering accidents can often symbolize transitions or significant changes in your life. The act of waiting to cross the street may represent a pause or a moment of indecision about moving forward in a particular area of your life. The car crash signifies unexpected obstacles or challenges that could arise as you attempt to make this transition.

The feeling of dying in the crash could suggest that you're grappling with fears of loss or change—perhaps you're worried about leaving something behind or the impact of new choices on your current situation. The buses, with their destinations to hospitals and retirement villages, might represent paths or choices that feel limiting or undesirable to you. Their unfamiliarity could symbolize apprehension about the future or a reluctance to embrace certain outcomes.

Returning home and only being visible to your roommate may indicate feelings of isolation or a struggle to communicate your needs or emotions to others. It could also reflect a desire for connection despite feeling detached or misunderstood in your current circumstances.

The addition of changing your form to resemble your Baldur's Gate character can symbolize a desire for empowerment or control over your identity. It suggests you may be seeking a way to express your true self or escape from the constraints of your current situation.

Overall, this dream seems to explore themes of change, fear of loss, and the desire for self-identity. Consider reflecting on areas of your life where you may feel stuck or apprehensive about moving forward, and think about how you can reclaim your sense of agency and connection.