OMG, I can't believe no-one's mentioned BeamNG.drive. The stuff that game simulates is off the charts. It's been in 'early access' forever, but if you're even remotely interested in driving simulators, it's the gold standard for a realistic driving experience. Crashing in VR in this game is the most visceral thing ever. It'll change you.
Here's a clip of me driving a RHD Piccolina around one of my local roads a kindly modder added to the sim until I crash catastrophically.