Settings that make cars handle badly?

Sounds like it could be the hidden assist bug which @WhiteBurrito42 mentioned. The only workaround that I know of that actually works is to turn on every assist to maximum, drive around in the open world (only needs to be for a second, as long as you move a non-zero amount you are good) and then reset your settings to your preference.

I have tried setting just the things that I think are broken and it did not work. It has to be everything. Auto-braking, auto-steering, the whole lot.

Some people have never been hit by it. I’m up to about 4 times now. Thankfully, the workaround has worked every time for me. Hopefully this is it and it solves your issue.

After the hotfix his started working again perfectly. We didn’t need to change anything.