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," .