I got this problem too. I have tried the following to try to figure out why it was happening/how to solve it:
Uninstall MTA with the MTA uninstall.exe, then reinstall -> no result
Apply the patch on the front page -> no result
Run my own server on my home network -> still crashing
My computer is not a laptop like the others, my comp details:
XP pro SP2, fully updated
P4 1,7 ghz
768 mb ram
GeForce 3 64 mb ram driver version 22.214.171.124
4 mbit download/512 kbit upload ADSL
I run the game in 800x600x16, it runs good in singleplayer, and ran good in MTA 1.0 with only a few slowdowns.
What might be the cause of this? I can usually get a playtime from 10 secs - 1 min before it locks down. And, like the others, i dont get any option to report the bug when it crashes because it locks down. This is the message i got from the server log file when it crashed on my own server:
[18:21:45] KICK: Assasinator (127.0.0.1) was kicked (client not responding)
Edit: Just had a 3 min run on the deltaanime server, but when i changed vehicle it locked.. Again. I was the only person on the server. Also, i didnt manage to get it to crash the same way in the map editor.