Insurance Guide

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Auto Insurance Coverage Guide

Understanding your auto insurance coverage after an accident shouldn't be complicated. Here's everything you need to know about getting chiropractic care with zero out-of-pocket cost.

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Insurance Topics

Everything you need to know about auto insurance coverage for chiropractic care in Arizona.

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Auto Insurance Chiropractic Coverage

Yes. Arizona auto insurance covers chiropractic care for accident injuries through Medical Payments (MedPay) and Personal Injury Protection (PIP) coverage, with no out-of-pocket cost to patients.

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Medical Payments Coverage (MedPay)

MedPay (Medical Payments coverage) is optional Arizona auto insurance that pays your medical bills regardless of who caused the accident, typically covering $1,000-$25,000 in expenses.

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Personal Injury Protection (PIP)

PIP is broader than MedPay, covering medical bills plus lost wages and essential services. Arizona doesn't require PIP, but it provides valuable protection if available on your policy.

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Zero Out-of-Pocket Cost

Arizona law allows medical providers to treat accident victims and bill the at-fault party's insurance or file a lien against your settlement, eliminating upfront costs.

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Medical Liens Explained

A medical lien is a legal agreement where your medical provider defers payment until your case settles, ensuring you get treatment now without paying upfront.

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Working with Personal Injury Attorneys

AZ Spine works closely with personal injury attorneys, providing detailed documentation of injuries and treatment that strengthens your legal claim for compensation.

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Documentation for Insurance Claims

Proper documentation includes accident reports, medical records, diagnostic imaging, treatment notes, and proof of expenses — AZ Spine provides comprehensive medical documentation.

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Uninsured/Underinsured Motorist Coverage

Your Uninsured/Underinsured Motorist (UM/UIM) coverage pays for your treatment when the at-fault driver lacks insurance or doesn't have enough coverage.

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Arizona Minimum Insurance Requirements

Arizona requires 25/50/15 liability coverage: $25K per person, $50K per accident for bodily injury, and $15K for property damage. But these minimums may not cover serious accidents.

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Health Insurance vs Auto Insurance

Auto insurance is typically better for accident injuries — it covers treatment without deductibles, doesn't increase health premiums, and provides better coverage for injury-specific care.

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Still Have Questions?

Our team handles all insurance paperwork and billing so you can focus on healing.

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