Yes - despite recent Montana auto insurance rate increases and tougher claim reviews, an insurer cannot lawfully brush off crash-related panic attacks, anxiety, depression, or pregnancy-related fear as "just stress" if the evidence ties them to the wreck.

What makes it more complicated:

• You still have to prove the connection. In Montana, emotional injuries are part of a normal personal injury claim, and there are no caps on non-economic damages in auto or injury cases. But the insurer will look for records showing the symptoms started or got worse after the crash on roads like I-15, Cedar Street, or pothole-heavy Helena side streets during spring thaw.
• Pregnancy care matters. If you were pregnant and the crash led to fetal monitoring, OB visits, ER checks, ultrasound follow-up, sleep loss, panic, or therapy, those costs can be claimed if they were reasonably necessary because of the collision.
• Gaps in treatment hurt. If you tell St. Peter's Health providers you are having panic attacks, nightmares, or fear about the baby, that helps. If you wait months and only mention it after the claim fight starts, the insurer will argue it came from something else.
• Prior anxiety is not a bar, but it is a fight. Montana law generally allows recovery when a crash aggravates a preexisting condition. The insurer may demand older records to argue your symptoms were already there.
• Road-defect cases are harder than ordinary crash cases. If the pothole or frost heave itself caused the wreck, a claim against the City of Helena, Lewis and Clark County, or the Montana Department of Transportation may involve government-liability defenses and disputed road-maintenance records.
• Deadlines still control everything. The usual Montana negligence deadline is 3 years. Property damage is often 2 years. Delay makes proving psychological harm much harder.
• Juries can award these damages. But they usually want concrete proof: diagnosis, counseling records, medication changes, missed work, family observations, and doctor notes linking the crash to the mental-health symptoms.