That is scary - I've been close to that situation, minus the official search. And it is fairly easy to be in that situation. Dating, car-pooling at the job, or simply giving a little-known aquaintance or a friend's family member home can land you in that situation.
My personal experience with that was in the late 90's. I took some folks home. It happened they lived in public housing in a town of around 50k. Suddenly, there were lots of cop cars and dogs about. I was getting asked about drugs and if any passengers had drugs, while being told that they know there was crack in the area and, "they found out that white folks are doing it too". (The others in my care were african-american).
At that point, I realized I didn't know these folks all that well. Youth + giving folks a ride home from a mutual location. I wasn't as worried about my car at that point because I knew nothing of civil forfeiture, but I was intensely worried about them dropping the drugs in the car and denying ownership. It would have been a nearly instant drug conviction for me, from what I understood at the time.