自賠償保険 (Jibaiseki Hoken) is a type of mandatory liability insurance in Japan that covers damages or injuries caused by a vehicle to a third party. It is required by law for all vehicles in Japan, including small and special vehicles such as kei cars, mini trucks, and microbuses.
Who needs 自賠償保険?
All drivers in Japan are required to have 自賠償保険. It is important to note that this insurance only covers damages or injuries caused to a third party, and does not cover damages to your own vehicle or injuries sustained by yourself in an accident.
What are small and special vehicles?
Small and special vehicles refer to vehicles that are smaller in size and have lower engine displacement compared to regular cars. Examples of small and special vehicles include kei cars, mini trucks, and microbuses. These vehicles have become increasingly popular in Japan due to their affordability, fuel efficiency, and versatility.
Why is 自賠償保険 important for small and special vehicles?
Small and special vehicles are often used for business purposes such as delivery or transportation of goods. As such, they are more prone to accidents and collisions on the road. Having 自賠償保険 is important to protect yourself and your business from potential financial losses due to damages or injuries caused to a third party.
What does 自賠償保険 cover?
自賠償保険 covers damages or injuries caused by your vehicle to a third party. This includes property damage, bodily injury, and death. The coverage limit varies depending on the insurance policy and can range from a few million yen to tens of millions of yen.
What are the benefits of 自賠償保険?
Having 自賠償保険 provides peace of mind knowing that you are protected in case of an accident or collision. It also helps to build trust and credibility with your customers, as it shows that you take responsibility for your actions on the road.
How much does 自賠償保険 cost?
The cost of 自賠償保険 varies depending on the vehicle type, coverage limit, and insurance company. Generally, small and special vehicles have lower insurance premiums compared to regular cars due to their smaller size and lower engine displacement.
How to choose the right 自賠償保険 policy?
When choosing a 自賠償保険 policy, it is important to consider the coverage limit, premium cost, and insurance company reputation. It is also recommended to compare multiple insurance policies and read reviews from other customers to make an informed decision.
What to do in case of an accident?
In case of an accident, it is important to stay calm and call the police and ambulance if necessary. Exchange contact and insurance information with the other party involved in the accident. It is also recommended to take photos of the accident scene and damages for insurance purposes.
Conclusion
自賠償保険 is a mandatory liability insurance in Japan that covers damages or injuries caused by a vehicle to a third party. It is important for small and special vehicles to have this insurance to protect themselves and their business from potential financial losses. When choosing a 自賠償保険 policy, it is important to compare multiple insurance policies and consider the coverage limit, premium cost, and insurance company reputation.
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