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.The Worker's Compensation policy shall contain a waiver of subrogation against the City of Phoenix. 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. 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. Arizona is actually an antisubrogation state. An insurer is not required to add an insured's deductible or uninsured loss to its subrogation action; maintaining two separate suits (i.e. As an insurance subrogation attorney, Mr. Bonfiglio brings to the table years of representing clients such as Allstate and Encompass insurance companies. In Arizona, private health insurance companies are not entitled to seek subrogation rights against a personal injury settlement. MINIMUM SCOPE AND LIMITS OF INSURANCE: Contractor must provide coverage with limits of liability not less than those stated below.