This is my first post here, so just to say I've been a huge fan of Freelancer since it came out back in the early 2000s, when I was still in high school and now I am an old dude .
Anyway, about this issue. I think I hit this exact similar problem just about an hour ago. And it is consistent.
Basically , I am playing a pirate, using a Marauder, and I was using one of the wormholes that goes from Hudson -> Texas. The moment I exited the wormhole (on Texas side) - the game crashed.
I restarted the game, then the PC itself - no solution. The game constantly crashes the moment I try to load my character pertaining to this case. If I tried with another character - that is on another system, has a different ship and role, etc. - the game loads fine. But with particular one, the game always crashed.
I have Windows 10 Pro x64 running on a Dell Precision 7510 (Nvidia Quadro)
Then I read this post, thank God I was able to find it so fast, and did the following:
1. I right clicked on the Discovery Launcher, clicked Properties
2. Then the Compatibility tab.
3. Then Change the settings for all users
4. Then check the checkbox for Run this program in Compatibility Mode for:
5. and in there select Windows 7
6. Clcik Apply and start the Discovery Freelancer Launcher as usual.
After this change, I tried to log in again with my previously crashing character, and voala, everything runs as normal (no crash). My ship was just idling right next to the Jump Hole it exited and I was able to dock with the Pirate's destroyer in Texas System.