What Is Medical Payments Coverage in Auto Insurance?

September 9, 2025 | Insurance

Car accidents can happen in an instant—but the medical bills can last for months. Even minor collisions can lead to expensive ER visits, physical therapy, or ambulance rides. That’s why Medical Payments Coverage (MedPay) is a smart add-on to any Arizona auto policy.

At Riseson Insurance , we help drivers in Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler stay protected with affordable MedPay options that give peace of mind when the unexpected happens.

Medical Payments Coverage, often called MedPay, is an optional part of your car insurance policy that helps cover medical expenses for you and your passengers, no matter who was at fault in the accident.

It can help pay for:

Emergency room visits Hospital stays Ambulance fees Surgery or follow-up care Dental care related to the accident Funeral expenses (in worst-case scenarios)

Whether you're a driver, passenger, or even a pedestrian struck by a vehicle, MedPay can help fill coverage gaps—especially if you have a high-deductible health insurance plan or limited coverage.

Even if you have health insurance, it might not cover everything after a car accident. MedPay ensures quick, no-deductible coverage for accident-related medical costs.

Here’s why it matters for drivers in Arizona cities like:

Tempe & Phoenix: High-traffic areas with increased risk of fender benders and rear-end collisions. Scottsdale & Chandler: Popular shopping and nightlife areas with heavy weekend traffic. Tucson: Frequent long commutes and I-10 traffic incidents. Gilbert: Family-friendly neighborhoods where protecting passengers is a top priority.

Medical Payments Coverage is surprisingly affordable, often just a few dollars a month depending on your coverage limits. Common coverage levels range from $1,000 to $10,000 per person, per accident.

At Riseson Insurance , we’ll help you:

Evaluate your current auto and health coverage Choose the right MedPay limit for your needs Bundle it with your existing policy for the best rates

Local Arizona Auto Insurance Experts Fast, Personalized Quotes Custom Policy Reviews Proudly Serving Tempe, Phoenix, Scottsdale, Tucson, Gilbert & Chandler

Our agents know the roads you drive—and the risks that come with them. Whether you’re commuting to downtown Phoenix or road-tripping through Tucson, we make sure you're protected from the unexpected.

Don’t wait until an accident leaves you with thousands in out-of-pocket medical bills. Add Medical Payments Coverage to your auto policy today and drive with confidence.

Call Riseson Insurance at 602-460-5470 let’s make sure your insurance goes the extra mile—just like you do.

What Is Medical Payments Coverage?

Why Arizona Drivers Should Consider MedPay

How Much Does MedPay Cost?

Why Choose Riseson Insurance?

Get Covered Before You Need It

  • Emergency room visits
  • Hospital stays
  • Ambulance fees
  • Surgery or follow-up care
  • Dental care related to the accident
  • Funeral expenses (in worst-case scenarios)
  • Tempe & Phoenix: High-traffic areas with increased risk of fender benders and rear-end collisions.
  • Scottsdale & Chandler: Popular shopping and nightlife areas with heavy weekend traffic.
  • Tucson: Frequent long commutes and I-10 traffic incidents.
  • Gilbert: Family-friendly neighborhoods where protecting passengers is a top priority.