Even when there is a pile of evidence and information to support the claimant’s claim for damages related to PTSD, the insurance company may balk at having to pay for the psychological costs of the injury. Part of the reason for this reluctance involves the computer programs that these companies use to determine the costs of a claim. The algorithms of these programs often do not give proper consideration to the impacts of the injury, as these impacts are subjective. Some states have laws that cap the amount of non-economic damages available for personal injury claims. For example, in Massachusetts, personal injury claimants can only seek up to $500,000 for the pain and suffering they incurred in an accident. These damage caps can also affect the amount of compensation available for a claim that includes PTSD. An attorney values their client’s claim in light of the damage caps for the state where the accident occurred. However, when an insurance company fails to pay for compensable non-economic damages under the law, then the claimant’s attorney can file the claim as a personal injury lawsuit. This will place the claim in the hands of a judge or jury that, after seeing the evidence and hearing the testimony involved in the case, will decide whether the at-fault party’s insurance provider is responsible for compensating the claim and the amount of compensation the claimant is entitled to receive. If a car crash injured you, let an experienced car accident attorney seek compensation for the expenses and impacts of your injury.