Whispers: Shores of Silver Seas: Collected Short Stories 2000 - 2006 in Bloomington, MN

Deep in the grips of a frigid wilderness, a horrific car accident leaves the top of her car ripped away along with the top of her head, and she reclines in the sedan's front seat, dead. Her unharmed infant child sits strapped into a car seat beside her.
Listen to that tiny voice inside your head. Sometimes, the dead speak.