What does basic and additional reparation benefits coverage do?

Basic reparations benefits (BRP or PIP) is a type of personal injury protection insurance that will cover medical and other economic losses suffered as a result of an auto accident, up to the selected limit amount.

Policy terms vary but, in general, BRP includes:

  • Medical expenses – May include necessary and reasonable doctor and hospital visits, nursing and rehabilitation.
  • Loss of  income – Has a maximum payment listed on your policy (typically around $200 per week).
  • Loss of essential services (also  referred to as replacement services) – Can receive benefits if you need help performing household or other tasks due to your injury.

In some states, additional reparations benefits coverage is available to extend additional benefits. Additional reparations benefits coverage is usually primary over any health Insurance. You cannot carry basic reparations benefits if you already have medical payments as part of your policy.

Is basic and additional reparation benefits coverage mandatory?

This coverage is optional.

What happens if I don’t have basic and additional reparation benefits coverage?

If you choose to go without basic or additional reparation benefits coverage, then to have your medical expenses paid for, when you are at-fault in an accident or the at-fault party cannot cover your injuries, you will need to have coverage such as medical payments on your policy or you may end up paying out-of-pocket for your medical bills.

If you have adequate health insurance, then basic reparations benefits may be unnecessary. 

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Michelle Megna
Editorial Director

Michelle is a writer, editor and expert on car insurance and personal finance. Prior to joining CarInsurance.com, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.