Grown and still scared of parents

I know this post may sound silly but I was just wondering if there is anyone else out there that feels like me. I am not a teenager I am a grown woman and yet I am still terrified to talk to my mother about anything that is going on in my life. For instance, I was in a car accident today and we still share the same insurance policy and she is the primary so I had to tell her about the incident. Although I set in my car for two hours coming up with the best speech possible and was still scared to text her. I am also pregnant and I plan on telling her next week. But just talking to her is so hard. To the point I make myself sick.