Anxiety?

I used to go to therapy but then my insurance i have dissent cover it. I am depressed and i do have anxiety.

Although i don’t if I have like sever anxiety or if it is something else. So, every-time im home alone mainly at night i have really bad panic attacks. My brain just starts thinking the worst things like members of my family are hurt and injured. In long car rides I have bad anxiety like we are going to get pulled over or get in a crash. Anyway I hope it doesn’t sound like I’m crazy. Also everyone just tells me it’s paranoia it probably is. I just wanted to know what other people think.