And then my MIL does the whole "how are you going to feel if you need to go to the hospital and you can't and something happens to Jazz".
That is what an ambulance is for. If it is real emergency, even if you drive and have a car, it is recommended to use an ambulance. If you do drive, then it is best to have someone else in the car to make sure the baby/child is ok. I only drive if it is one of those times that I would rather then checked out now, rather than waiting for the next day.