Although MedPay isn't mandatory for Arizona drivers, it can be a good investment considering its low cost. In addition to hospital or doctor bills, MedPay can be used to pay deductibles or co-pays for other types of coverage, such as health insurance or car insurance with personal injury protection (PIP). For more information on Arizona car insurance regulations, directly from the state, see the Arizona Department of Transportation's frequently asked questions about mandatory auto insurance and its vehicle insurance information portal. Personal injury protection is a type of car insurance used in no-fault states because it covers medical payments regardless of who caused the accident.
If your health insurance provides you with adequate coverage for the injuries you suffer after a car accident and MedPay isn't required in your state, you may not need it. If your health insurance doesn't cover injuries caused by car accidents, it's a good idea to buy medical payments coverage. For example, personal injury protection (PIP) or MedPay coverage can be used to pay medical bills for a car accident (this coverage is optional in Arizona), and collision coverage (also optional in Arizona) can pay for repairs (or replacement) of your damaged vehicle after a car accident. Remember that using your insurance means that you are responsible for paying your deductible, even if it's a friend (and not you personally) who crashes your car.
If you simply have questions about Arizona's auto insurance rules, we hope we've answered them here. MedPay is similar to PIP insurance in that they both manage your medical bills even if you cause a car accident. Like most states, Arizona requires that all motor vehicles in circulation be covered by an auto insurance policy that meets certain minimum requirements, should the vehicle be involved in a traffic accident. Instead of PIP insurance, Arizona insurance companies offer medical payment insurance (sometimes called MedPay), which helps with hospital bills stemming from a car accident.
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