Options Menu (F5), then go to options and finally Game options.
It seems turning off Story Progression before 1am then turning it back later "fixes" the 1am crash (well It did for me). I'm going to test 2-3 more sim days to confirm.
Edit: I've tried for a second sim day. Turning Off the EA Story Progression before 1am DOES prevent from crashing (well like I said: It does for me), but I wouldn't call that fixing the issue :S .