It's one thing to be mildly fearful when entering situations that are potentially dangerous to you or a loved one. It's another to be terrified a lot of the time, even when there seems to be nothing overtly there that's worrisome. When that happens over and over again, you know you have a phobia that needs to be deal with. Otherwise, it is not just being fearful that's the problem.
You could be paralleled by some anxiety by fears that have no basis in reality. There are many ways you can find relief and you just have to find the one that works for you and stick with it. Some people swear by medication. They go to the doctor and they get a prescription for an anxiety medication and then after a couple of weeks they find that they're able to respond to life in a much better frame of mind. Some people, though, do not find the right medication right away and need to have them adjusted to find the right combination.
There are also people who 'suffer from side effects that can be annoying or dangerous in themselves and so do not want to be on medicine. There's also talk therapy. Sometimes the source of your problem lies in fears that accrued, often unconsciously, in your past. Having someone to plumb the depths with is a way to get these out and diffuse them. Diffusing them gives them much less energy and power over your life and decisions.
Some people actually go for hypnosis to do this. They diffuse the fears by having the therapist go directly to the unconscious to plumb them and release them. The unconscious will speak directly under hypnosis, which saves a lot of time that you have to be in talk therapy or asserts the talk therapy. Another technique is to relax through meditation so that your phobia does not take first place in your life.
You can stop focusing on the things that can be scary when you breathe deeply and let the obsession on fear go. People may think meditation is difficult or esoteric, but it's really quite accessible to anyone. All you have to do is sit or lie down and watch your breath without forcing any arrival. Let your body relax slowly. Many people today have phobias and severe anxiety.
It's something of an epidemic, so do not let yourself be embarrassed by your condition, as it's being discussed everywhere in the media and there are many possible remedies. The thing is to pick a way to go with treatment and then stick with it. Just have patience, though, as no one treatment is a magic bullet and you'll have to give it time to work. Sometimes, though, if you're willing to do the work on yourself, your phobia will be a thing of the past.