I'm not "afraid" of bugs, they just make my skin crawl. When I was little I was at the beach with my mom and somehow I got turned upside down with my head underwater smacking against the bottom. To this day having my head underwater bothers me, or if something covers my head real quick, like if someone were to toss a blanket over me I'd freak out a little til I got it off. I can prepare myself and it won't bother me but suddenly finding my head covered really freaks me out.