Private health insurers are not given subrogation rights in Arizona. Arizona is actually an antisubrogation state.Under the ASR, an insured "has no right of subrogation against its own insured for a claim arising from the very risk for which the insured was covered. An insurer generally may not subrogate against its own insured or any person or entity who has the status of a co-insured under the insurance policy. A waiver of subrogation is an agreement where you waive the right for your insurance company to seek compensation from a negligent third party for their losses. Subrogation provisions in insurance contracts amount to an assignment, which is unenforceable under Arizona law – Allstate v. An insurer generally may not subrogate against its own insured or any person or entity who has the status of a co-insured under the insurance policy. In Navigators Insurance Company v. Auto subrogation aims to prevent this and return these expenses to those notatfault. Each party's insurance companies pay claims without regard for fault, and the work carries on as planned.
