The first dream sounds like you might be feeling a lack of control over something, since you are the passenger in the car while your friend is driving and gets you into a dangerous situation. Water can represent your emotions so it could be a situation that involves people's feelings.
Your heart is in your chest. Perhaps the dream about being shot in the chest has to do with a broken heart.
Being underwater and being shot in the chest could also be a warning about a potential lung/breathing problem.
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