Don't give up. There are bad, mediocre and great psychologists. Sounds like you're a good candidate for Cognitive Behavioral Therapy. Find a skilled clinician, if you dislike her, try another one. A good psychologist is worth her weight in gold!

Conversely, you can order a self help workbook by Michelle Kraske and David Barlow, I think, on Panic Attacks. They may even have one for people who had been in auto accidents. Try Amazon.

http://www.amazon.com/Mastery-Your-A.../dp/0195311353