Basic reparation benefits are another name for PIP or personal injury auto protection. Another name for this is No-Fault insurance. This benefit will cover the driver and all passengers, should they be in a serious accident. As your independent agent, we can help you get the insurance protection you need, depending upon your situation. If you live in the Marlborough, or West Hartford, Connecticut area, give us a call today and speak with an agent regarding a car policy.
Reparation benefits will add extra coverage to your basic auto protection. If a driver needs to use their basic auto policy to help pay for medical bills there is a set limit by the insured. When this limit has been reached than reparation benefits will take over medical bills as an extension of the person’s policy protection for injury (s) sustained in a serious automobile accident. An independent agent can help you decide if you need reparation benefits.
If basic car protection is not going to cover certain benefits, neither will reparation benefits cover those things. Both of these policies cover chiropractic care, hospital visits, doctor bills, nursing care, and rehabilitative treatment and care. If an insured cannot work due to injuries then the reparation benefit will pay benefits for lost wages. According to an independent agent, the highest that reparation benefits will pay for lost wages is about $200.00 per week.
Those people who do not have the benefit of individual health insurance or might be without work, thus without group insurance coverage may benefit from a reparation benefit. If in a serious accident your PIP coverage will pay first. When PIP limits have been reached, then the person’s medical benefits will start to pay.
Call us today in Marlborough, Connecticut and do not wait one more day to make sure your car is completely covered on the road. We also service the West Hartford area.