Overprotective or normal?

I've been thinking alot about the safety of my little princess. When I first got pregnant it was discussed that my mother in law would watch her when I went back to work after maternity leave. But as I get further along I feel more and more protective over her and I'm no longer comfortable leaving her with my mother law or any one else for that matter. I love my MIL to death but she has become more careless in the last few years. She gets into playing games on her phone and totally forgets that life is happening around her and also her driving is also a bit wild. I'm just not comfortable leaving my baby at risk. But I'd also hate to tell her that. Just the thought of leaving her makes me want to cry! I just don't think I can do it. Expecially being uncomfortable with my MIL "watching" her.