My guess that yes you will eventually be able to use PayPal in 4 again and Pay Monthly if you ever want to use that. Unfortunately missing payments on these plans is literally the worst thing you can do. I totally sympathize with you about your car accident and such, but all these decisions are done by algorithms, and obv people's hardships are not factored in. Since you have had a really good payment history for awhile until recently, most likely Pay in 4 and Pay Monthly will start showing up again down the road. When? Nobody really knows that answer. It could be back soon or honestly not for months and months. Also expect your amount to be approved for when it does come back to be pretty small. You are going to have to work your way up again(pretty much start all over) and earn PayPal's trust. In case you didn't know, in the PayPal app you can touch Pay Later in the menu section and sometimes you will have a prequalified amount showing, which is pretty accurate on how much you will be able to spend on your Pay in 4 purchases. Will go up to $1500. Don't worry if you don't have a prequalified amount, not all users have one. And it only shows up on the app, not on a computer logged into your PayPal account. Hope this helps and good luck, keep trying and hope it appears for you soon and you start getting approved again!
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