Does it crash when starting Divinity, or when trying to load a game?
If when loading a save;
[*] Check the number of files in the saved game folder. A new game should have 22 files, after going to either Verdistis or the Dark Forest it should have 27, after going to both it should have 32.
[*] Can you start a new game and save/load that?
If when starting the game;
[*] Did you reset the configuration when the game started the first time after the crash? (there should have been an error message recommending this) That would eliminate one potential problem.
[*] Try running a Scandisk (right click the drive in Windows Explorer, select Properties then the Tools tab, and click the 'Check now' button under 'Error-checking status'.
[*] How much free drive space do you have? The FAT32 file system (mostly Win 9x/ME) is fairly susceptible to errors in the listed free drive space (the game can crash if it runs out of space trying to save), but you are most likely running NTFS.
[*] Maybe an un-install / re-install as per the
troubleshooting link would help?