Well, the interesting point there is that it wouldn't be an over-estimate if the car is falling bottom side down, rather than pitched nose forward.
Which raises the next question, if you were to have a car in freefall through air, would aerodynamics pitch it nose first to max terminal velocity, or tumble from one attitude to another, or find the minimum terminal velocity bottom-down?
And then the next question back to the op; if a vertical fall is too steep to stop it tumbling on its way down and a 5% grade isn't, what is the maximum grade before one can expect a car becomes aerodynamically unstable?