About a month or two ago, I nearly fell off my Fargo while crossing the highway. All I could think about was having a semi come at me at 65 miles an hour as I desperately tried to get across. I haven't been back on a bike since. I've just used the cold to explain why I haven't. I figured if I told my DH he'd never let me on a bike again.
He doesn't want me going on the bike trail alone during the day either. No one really uses it, 6 miles of the trail run through cornfields and the other 4 miles go through a heavily wooded area. If anything happened, no one would be around.
So, how do you get over the fear? I'm not afraid to ride the trail. There are no cars to worry about. It's quiet and peaceful, but he's right in that if something happened, no one is around. I lose phone service in some parts of the trail.
I just look at my bike in the garage, try to fight off the fear but end up walking by as fast as I can.
A stranded cyclist sort of helped when I picked him up after seeing him walking his bike along the highway shoulder. He was about 10 miles from Lincoln, his phone didn't have service and he had a flat tire. All I could think about was what if that was me.
We actually had a good conversation while I drove him the 10 miles home. He'd been cycling for about 30 years and said not to give up when I explained how new I was to cycling. I almost wanted to ask why he didn't have a spare tube if he was that experienced, but figured he'd been through enough. It still blows my mind how many cars had driven past him w/o asking if he was okay.

