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Arcata Car Insurance Quote. Arcata Car Insurance Blog. Contact Arcata Car Insurance. What are Medical Payments? Call Today (707) 502-2448. What are Medical Payments? What are Medical Payments? Many motorist don’t think twice about who is covered for what when they get in and take off. While this may never be an issue for most drivers, it is something that should be considered from time to time. While most carriers offer no less than 1,000 dollars in medical coverage, some out there only offer 500 dollars...