There are three major types of personal injury coverage on an automobile insurance policy that can be described as (1) payments to someone else if you injure them (2) payments to you if someone injures you and that person has no insurance; and (3) coverage for medical bills if you are injured in a car covered by the policy.  With the rising cost of medical transport and medical procedures, it is very important that you carefully evaluate the type and amount of coverage you have every year. A serious automobile accident can cost thousands of dollars in medical treatment, so it is important to review the declarations page of your policy to make sure you feel that you have enough coverage to take care of those bills if you are involved in a serious accident.