I started to experience this today. Yesterday everything was okay, but today this game started crashing after approx 3-4 minutes of playing.
I got an unhandled exception error c000005 at address 004db315. I don't know what does this address mean. I also tried all the fixes that people suggested (f.e.
delete gta_vc.set, download Silent Patch, add a DEP exception, run as an administrator, set compatibility to Windows XP SP3, since the Windows 98/Me doesn't work completely, download d3d8.dll file and paste it into root folder)
My mods: SilentPatch, DDraw, CLEO, CLEO Car Spawner
here is a screenshot of a folder