5+ 自動車 人身 傷害 保険 Ideas
Introduction
In Japan, 自動車 人身 傷害 保険 or automobile personal injury insurance is mandatory for all car owners. It covers the cost of medical treatment and compensation for any injuries sustained by the driver, passengers, or pedestrians in case of an accident. In this article, we will dive into the details of this insurance policy and help you understand how it works.What is covered in 自動車 人身 傷害 保険?
This insurance policy covers a wide range of injuries and accidents, including but not limited to:- Injuries sustained by the driver, passengers, or pedestrians in case of an accident.
- Death or disability caused by an accident.
- Medical treatment and hospitalization expenses.
- Compensation for loss of income due to disability.
- Funeral expenses in case of death.
How is the insurance premium calculated?
The insurance premium is calculated based on several factors, including the driver's age, driving history, type of vehicle, and coverage amount. The premium is higher for drivers with a history of accidents or traffic violations.What is the coverage amount?
The coverage amount can vary from policy to policy. It is important to choose the coverage amount that meets your needs and budget. Generally, the coverage amount ranges from 30 million yen to 100 million yen.When should you file a claim?
You should file a claim as soon as possible after an accident. The insurance company will require you to submit a police report and medical certificates to process the claim. It is important to keep all the necessary documents and receipts related to the accident.What is not covered in 自動車 人身 傷害 保険?
There are certain situations that are not covered by this insurance policy, such as:- Accidents caused by drunk driving or driving under the influence of drugs.
- Accidents caused by intentional or criminal acts.
- Accidents that occur outside of Japan.
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