Yes. PTSD does not discriminate based on type of trauma. Car crashes, for instance, are one of the most common events leading to PTSD.
Absolutely. Even though there's the perception that only military people get PTSD, you are right, it does not discriminate. Moreover, the definition of trauma is personal. That is, if it's traumatic to the individual, then it can cause a post-traumatic stress reaction, no matter whether it would be a traumatic event to anyone else.
It's worse than a perception (that only front-line military people get PTSD), it often takes the form of gate-keeping.
I know a guy who served two tours in Vietnam with no after effects. A couple years ago he was in an accident and his whole life now revolves around avoiding traffic because of the ptsd he now suffers from.