Medical Payments Coverage (MedPay) Explained
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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What is MedPay and How Does It Cover My Treatment?
Medical Payments coverage (MedPay) is an optional but highly recommended component of Arizona auto insurance policies. MedPay pays for you and your passengers' medical expenses following an accident, regardless of who was at fault. Coverage limits typically range from $1,000 to $25,000 or more, depending on your policy. MedPay covers chiropractic care, hospital bills, X-rays, physical therapy, and other medical expenses. There are no deductibles for MedPay claims. If your MedPay is exhausted, the at-fault driver's liability insurance continues to cover your care. AZ Spine recommends carrying at least $5,000 in MedPay coverage.
Last updated: February 2026
Key Takeaway
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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