MedPay Coverage in Arizona — Your First Line of Defense After an Accident

Most Arizona auto policies include an optional coverage called Medical Payments (MedPay) — and if yours does, it’s one of the most valuable tools available after a car accident.

What MedPay Does

MedPay pays your medical bills — up to the policy limit — regardless of who was at fault. You don’t have to prove the other driver was negligent. You don’t have to wait for their insurance company to accept liability. You file a claim with your own insurer, and they pay your medical providers directly.

Why It Matters

After an accident, medical bills start arriving before anyone has determined fault. The other driver’s insurance company may take weeks or months to accept liability. Meanwhile, you need treatment. MedPay bridges that gap.

It also pays regardless of fault — meaning even if you caused the accident, MedPay covers your medical expenses (up to the limit).

MedPay vs. Health Insurance

MedPay pays without deductibles, copays, or coinsurance. Unlike health insurance, there’s no network restriction — any medical provider is covered. For policies up to $5,000, Arizona does not allow the MedPay insurer to seek reimbursement from your settlement — an extremely valuable benefit to support you during your injury recovery. For policies above $5,000, subrogation applies under A.R.S. § 20-259.01, but your attorney can often negotiate the amount down significantly.

How Much to Carry

MedPay limits typically range from $1,000 to $25,000. We recommend at least $5,000 — not only because the cost is minimal (usually under $50 per year), but because Arizona’s subrogation threshold sits at $5,000. Below that amount, the MedPay insurer has no right to reimbursement from your settlement. Combined with UIM coverage, MedPay gives you comprehensive protection.

Review your policy. If you don’t have MedPay, add it today. Call the Law Badgers at (833) DTF-IGHT.