Basic and Additional Reparations Benefits

Basic reparations benefits are an option for your car insurance policy, and cover any expenses that relate to any economic loss you have suffered as a result of being in a car accident. These can include, but are not limited to:

• Medical expenses
• Wages lost by not working due to being injured in the accident
• Replacement services loss

Additional reparations benefits can pay for medical expenses beyond what personal injury protection coverage pays for. So if you have a limit of $10,000 for your PIP and you have no medical insurance, purchasing additional reparations benefits can be beneficial, since all your medical expenses will now be covered by your car insurance company.

If you do have health coverage already, basic and additional reparations benefits may be redundant from your existing coverage and may not be necessary to pay for all of your medical expenses in the event of an accident.

The medical expenses covered under these benefits include:

• Visits to a physician
• Hospital visits
• Nursing and rehabilitation
• Chiropractic care

Lost wages are paid at a maximum of $200 per week. Check to see if your car insurance company offers basic or additional reparations benefits.