In car - much the same issue as Sage, I seem to be about a second behind the action when I drive in 'out of car' view - I react to the pitch of the car rather than where it's going.
Funnily enough, I don't have that problem in GTA 3 or VC, where I'm quite happy to use the 'above car' view - but then, I do have a lot more accidents in that game...