Plane crash dreams are common even in people with no fear of flying, because a plane in dream logic represents something specific: a large, high-stakes plan or ambition that you have limited direct control over once it's underway.
Watching a plane crash from the ground
This version often reflects anxiety about a big plan or project — not necessarily your own — where you're a bystander to a high-stakes outcome you can't influence.
Being a passenger during a crash
The more common personal version, this usually reflects a major life plan (a career move, relocation, big financial decision) where you've committed to a course of action and are now dependent on factors outside your control.
Being the pilot during a crash
If you're flying the plane yourself, this variant often points more specifically to a fear that your own decisions have set something significant on a bad trajectory — a heightened sense of personal responsibility for the outcome.