The only way to file a claim for non-economic damages like PTSD would be to file a third-party claim with the liability insurance of the at-fault driver. If the other driver does not have bodily injury liability insurance or if there is a policy but the insurer is refusing to pay, you may need to take legal action by filing a lawsuit. However, you may be limited in your right to sue if you have a basic insurance policy or a standard insurance policy with a limited right to sue.