Objective: Motor vehicle accidents (MVAs) increase the risk for mental disorders, yet many affected individuals do not receive adequate treatment. This study examined distress trajectories, help seeking behavior, and perceived barriers among MVA-exposed and unexposed individuals over 12 months. Methods: Individuals with ( n = 63) and without MVA exposure ( n = 108) completed two online surveys 12 months apart. Psychological distress was assessed using the Brief Symptom Checklist and the Posttraumatic Stress Disorder Checklist for DSM-5. Utilization of psychological treatment and perceived barriers were also measured. Analyses compared distress between groups, tested whether baseline distress mediated the effect of MVA exposure on treatment utilization, examined distress changes related to treatment, and compared barriers across groups. Results: MVA-exposed individuals reported higher distress than unexposed individuals ( d = 0.54, CI [0.24,0.87]) and exposure indirectly predicted treatment utilization through elevated distress ( b = 0 . 23 , CI 0 . 04 , 0 . 43 ). However, the total effect ( b = - 0 . 01 , CI - 0 . 63 , 0 . 60 ) of MVA exposure on treatment utilization was not significant. No group differences emerged in perceived barriers. Over time, psychological treatment predicted greater distress reduction specifically among MVA-exposed individuals ( b = -0.73, CI - 1 . 35 , - 0 . 11 ). Conclusion: Despite elevated distress, MVA-exposed individuals did not receive psychological treatment more often than controls. Among those exposed, treatment was associated with greater distress reduction over time. Identifying MVA-specific barriers to treatment is essential to improve targeted outreach and prevent chronic courses of post-MVA psychological distress.