Ten years ago State Farm totally screwed one of my friends, whose car was rear ended by another car traveling 50 miles an hour while my friend was stopped at a red light. She suffered from an enclosed head injury that took years to heal, as well as other broken bones. She still has problems. The driver of the other car was an uninsured immigrant. Despite the fact that she and her husband had had personal car coverage and coverage of his entire fleet of business vehicles from State Farm for more than 20 years, State Farm fought having to pay her medical bills, which were horrendous because of her injuries. She and her husband finally had to sue to get the company to pay for her medical care. They won, thank heavens, but what's the point in paying for insurance if the company makes you fight to collect on a straightforward claim?
Check your car insurance policy. You might well find the medical payment portion is very low, often $5000 or so per individual.
It is written based on people having medical insurance already, so it will cover the deductables and co-pays.
If you don't have medical insurance, you need to either get a different policy that covers accident medical care, or you can do what these people apparently did.
See, if you SUE a person who causes an accident, or the insurance company as proxy for the person, the result if you win is a "liability" claim, not a "medical claim", and can be paid out of the liability coverage, which is often much higher.