Added reparation benefits or ARBs cover the same losses as basic no-fault benefits: medical expenses, wage loss and replacement services losses. ARB's simply provide a greater amount of coverage.  ARB's help provide full insurance coverage for losses and damages caused by a car accident or wreck. 

Added reparation benefits go beyond the basic $10,000 in PIP benefits or BRB (also referred to sometime as "no-fault" benefits).