Personality Disorders

A lot of clients I see are diagnosed with Axis I disorders like Schizophrenia, Major Depression and Bipolar Disorder when in actuality, they are suffering from a Personality Disorder.  Personality Disorders are rarely discussed because they ultimately cannot be medicated and require long term psychotherapy.  Insurance companies do not cover them and, at least where I live, the county mental health authority does not treat them.  So in order for people with Personality Disorders to get any help, they are mislabeled as one of the "Big Three" (Schizophrenia, Bipolar Disorder or Major Depression) - disorders which are covered by most systems.  I think this is a great disservice to patients and clients.  People have a right to know what is really going on with them and what the proper treatment provided.  What are Personality Disorders?