WHAT ARE “BASIC REPARATIONS BENEFITS?
Basic reparations benefits or as they are called personal injury protection or PIP benefits are payable for economic loss that arises from a bodily injury. These basic reparations benefits include medical expenses, wage loss and replacement services loss. Medical expenses usually include such items as the cost of your physician, any hospital bills and will cover the cost of nursing services and rehabilitation services. Chiropractic care is also covered. Medical bills are presumed reasonable if they were reasonably necessary for the care and treatment of your condition. Wages are payable up to a statutory maximum of $200.00 per week. Benefits are also payable for replacement services loss which are payable to those persons or providers whose services are purchased to provide those ordinary and necessary services which you must purchase because you are no longer able to provide them for yourself due to your injury.
