[TOMT] [Video Game] 3D 3rd Person PC Racing game from maybe late '90s to mid '00s that included a lava level where your wheels could burn off and you'd fail?

I've searched the wikipedia page about all racing games and couldn't find anything. Probably played it on either Win 95 or XP. I also remember a level about driving around a cliffside on a mountain that was fairly dark? It was mainly like buggies, but there wasn't a player model inside the car.