Hugs.
Its good that you're talking to your doc about it. Well, left a message with the receptionist. Could you call your doc to follow up?
Car accidents can cause PTSD. Your doc will be able to tell you if you have full blown PTSD or if you just have some of the symptoms.
Even if you don't have the full disorder, that doesn't mean you aren't suffering or don't need treatment. It sounds like you could really use the help of a therapist. Does your therapist know anything about trauma? The thing with trauma is that it oftentimes requires the help of someone who is trained in treating trauma. I've had therapists who don't know anything about PTSD just make me worse.