Zero Out-of-Pocket Cost Explained
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.
Get Your Free Consultation
Fill out the form and we'll be in touch within 24 hours.
Why is There Zero Out-of-Pocket Cost for Auto Accident Treatment?
Auto accident victims in Arizona typically have zero out-of-pocket costs for treatment because of how auto insurance claims work. If another driver was at fault, their liability insurance is responsible for your medical bills. AZ Spine bills the at-fault driver's insurance directly. If the claim is disputed or pending, AZ Spine can place a medical lien on your eventual settlement — this means you receive treatment now and the bill is paid from your settlement later. Your own MedPay (if you have it) can also pay for care upfront. This system ensures accident victims receive necessary treatment without financial barriers, regardless of their ability to pay upfront.
Last updated: February 2026
Key Takeaway
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.
Have questions?
We handle all paperwork
Related Topics
Our Services — All Covered by Insurance
Other Insurance Topics
Questions About Insurance Coverage?
Our team handles all insurance paperwork so you can focus on healing.