Is Arizona a PIP State?
Is Arizona a PIP state? What type of insurance is required by Arizona law? These are two questions that residents of Arizona find themselves asking, especially when it comes to vehicle accidents.
In this article, we’ll cover Arizona’s stance on PIP, what types of insurance are required, and what to do if you find yourself in a situation with an uninsured individual.
Is Arizona a PIP State?
Arizona is not a personal injury protection (PIP) state. Instead, Arizona is an at-fault state, meaning drivers are not required to have PIP. The at-fault party is responsible for paying all damages associated with an accident.
However, Arizona does offer medical payment coverage, known as MedPay. MedPay provides similar coverage as PIP and helps with the financial burden of injuries you and any passengers sustain in an accident. MedPay is also beneficial if you are injured as a pedestrian or biker, covering bills regardless of whether you were at fault or not.
The Details of MedPay
MedPay and PIP cover different costs when an accident occurs. PIP covers pedestrian and passenger injuries, medical payments, loss of wages, in-home services, and funeral expenses. MedPay coverage includes injuries to you as the driver or pedestrian, other passengers and pedestrians, medical payments, in-home services, and funeral expenses.
Although the coverage of MedPay will differ by provider, one of the main differences is the coverage of lost wages. Since Arizona drivers are required to have insurance with minimum liability coverage, MedPay does not include other financial aspects of accidents outside of medical bills.
Moreover, MedPay specifically does not cover property damage and injuries to other drivers. These fall under Arizona’s required liability insurance policies, with drivers needing $15,000 in property damage coverage, $25,000 in coverage for accidents with one person, and $50,000 in coverage for accidents involving more than one person.
Next Steps When Dealing with Uninsured Parties
What happens if you are in an accident with an uninsured party? Who pays for medical bills if they are at fault? Under Arizona at-fault and insurance laws, the at-fault party is responsible for paying damages stemming from the accident. Once insurance policies are used up, the at-fault party is personally responsible for damages.
When an accident occurs with an uninsured party, there is no insurance company to request money from. This often results in the need to bring a lawsuit forward against the at-fault party to recover damages. Damages, such as medical bills, property damage, and even psychological harm, can be recovered with a successful lawsuit.
Finding Your Arizona Attorney
Navigating bringing a lawsuit against an at-fault party without insurance can be complex, which is why it’s best to have a qualified attorney on your side. Even if you are the at-fault party, it’s essential to have an expert weeding through claims that you might be personally liable for.
Contact one of our team members at The Law Office of Zayed Al-Sayyed to schedule your free consultation. Don’t try to guess your way through Arizona laws, especially with Arizona not requiring PIP. Contact a team member today to get started.
Zayed Al-Sayyed
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