I never had that issue
And yet another reason (like one was needed) to follow OBS' big warning to not use unsafe for recording format like MP4. Does MKV files on your PC have a problem after a crash?
Just my guess, you have an OS or OBS plugin that is causing your problem.
Did you notice the pinned post in the forum about posting your OBS log(s). With a true OBS crash, both the stream/recording log, as well as the crash log would be appropriate to post