Arnold Schwarzenegger Car Accident Victim is a Huge Fan

One of the people involved in Arnold Schwarzenegger's multi-car wreck couldn't believe her eyes ... not only because of the movie stunt-like crash, but because she's a huge fan of his.

Habiba Muminova was one of the drivers who had a close encounter with Arnold's SUV in Friday's crash, and she tells TMZ ... she felt like she was "hallucinating" when Arnold exited his Yukon.

Habiba says Arnold's one of her favorite actors, and while she says, "God bless him," ... she's painfully aware this wasn't exactly a great way to meet him for the first time. Still, she says she's telling everyone what -- and who -- happened.

Habiba says she was just doing her job Friday -- driving patients to doctor's appointments -- when all of a sudden she was smack in the middle of an accident involving a movie star/former governor.

She says she was waiting at a red light to turn on Sunset Blvd when Arnold's SUV collided with a red Prius ... and before she knew it one of Arnold's back tires was smacking into her car, causing a harsh jolt.

Habiba says the initial impact was so strong, she thought she broke her spine.

With Arnold's SUV blocking her door, Habiba says she climbed out through the passenger side, where she was met by first responders and advised to get a ride to the hospital. Instead, she stayed put on the scene with the patient she'd been transporting.

She says she's now experiencing pain in her spine and back, from the shoulder down her left side and she's getting checked out by a doctor this week.

Habiba's concerned about her job moving forward -- she says her car is badly damaged, which will make it difficult, if not impossible, to drive patients around town.

She says she's reached out to an attorney for legal advice.