In some cases, a personal injury action may become necessary because health insurance and car insurance do not always cover all of the costs of your injury.  To recover certain types of damages, such as pain and suffering and emotional distress, it may be necessary to take action against the at-fault party. In other cases, the value of holding the negligent party accountable for his or her actions to prevent future negligent actions can also play a role in the decision to pursue a personal injury case.